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“Arbor Investment Management, LLC provides independently
crafted, personalized retirement income solutions designed for each of our
client’s unique financial situation and long-term goals. To achieve those
goals we help each client family secure the appropriate assets to cover
the ever-increasing costs of the independence and dignity they desire in
retirement.”
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Thank you for taking time to visit us today. Most
likely you are here to inquire if we are the right independent financial
advisory firm for you. At Arbor Investment Management, LLC, we work with a
limited number of successful individuals, families, and organizations
for whom we can have a substantial positive impact.
 We invite
you to sit down with us for a private, in-depth Retirement Income
Analysis “Discovery Meeting.” Our Discovery Meeting is designed to
uncover your most important financial goals and values. We accomplish
this by a methodology rarely experienced by financial industry clients
these days; we stop talking and we actively listen. We will take as
much time as necessary to truly understand your financial objectives.
At your Discovery Meeting we will also provide
you with important information about how we manage our client
relationships. This includes information such as how portfolios are
structured, the financial forecasting we perform for our clients,
and how Charles Schwab & Co., the preferred custodian of our
clients’ assets, helps facilitate our relationship.
Shortly after your Discovery meeting we will meet
again for an Investment Plan Meeting which includes the presentation
of your detailed Retirement Income Analysis. This presentation is not
the commonly seen “cookie cutter” worksheets used in the financial
services industry. This presentation will include your Retirement
Income Analysis, with multiple forecasts generated from our cash-flow
based modeling software, and a personalized portfolio asset allocation
recommendation based on your specific goals and financial time horizons.
Please feel free to inquire about the comprehensive details provided
in this analysis.
During the Investment Plan Meeting we will make
every effort to answer all questions you may have. Once the Investment
Plan Meeting is completed we will ask you to take some time at home to
review the Investment Plan we have put together for you. If after full
consideration you wish to implement the investment plan we have built
for you, we will begin the necessary document preparation process to
implement your personalized professional investment plan. Your
Discovery and Investment Plan Meeting, including the Retirement
Income Analysis, are provided free and without any obligation to
provide you an opportunity to learn about how we manage client
relationships and to demonstrate the value we can provide as your
Independent Investment Advisor.
Due to the very high level of service and the
hard work we do for each of our clients, Arbor Investment
Management, LLC requires a minimum initial portfolio value funding of
$250,000. If you are contemplating retirement in the foreseeable
future, or are awaiting other future financial events, talk with
us, we are quite flexible under the right circumstances.
Retirement Income Planning for pre-retiree’s
and retirement income asset management is what I do and what I
have done for over thirty years. During those years I have
helped hundreds of clients transition into retirement with knowledge,
piece of mind, and confidence. I am not a “be everything to everybody”
broker found in faceless corporations whose names and ownership
continually change. I don’t reach into our financial services toolbox
and always come up holding an insurance policy. I don’t chase the
latest ETF or sector funds with complicated ever-changing asset
allocation strategies that shift with the latest news headlines. I
listen, I plan, and I implement a set of solutions purposefully
designed to meet each client’s unique needs, desires, and tolerance
for risk. As part of your consideration process, I would be pleased
to provide you a resume and references to clients with whom
relationships go back decades.
At Arbor Investment Management, LLC, we pride
ourselves in offering private, personalized portfolio management
services with a fair fee structure based solely on a percentage
of assets under management. We receive no commission revenue
whatsoever. We believe this is crucial to our goal of developing
long-term client relationships based on candid advice, openness,
and mutual benefit.
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I can promise you through all the years that we
work together, you will never find another investment advisor who will
care more about you and your family, or who will be more deeply
committed to the realization of your financial goals. I promise to
invest your capital as carefully as I do my own, because I know that
your hopes for your family's future are every bit as sacred to you as
mine are to me.
I commit to tell you the plain, unvarnished truth
at all times, especially when you may not want to hear it. When you ask
me a question the answer to which I don't know, I promise always to say
'I don't know' - and then to move heaven and earth to get you the answer.
If we work together, in that spirit of mutual trust, there's nothing
within reason that we can't accomplish.
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As a Registered Investment Advisor, we have a clearly
defined legal fiduciary responsibility to act in the best interests of our
clients. As an independent money management firm, we have no vested interest
in any of the prepackaged investment products or services typically
offered by brokerage firms and insurance companies. Our only focus is to
select the best investment opportunities available to effectively and
efficiently manage your portfolio.
Arbor Investment Management, LLC recommends Charles Schwab
& Co., Inc. as one of Arbor our preferred asset custodians to hold and
safe-keep our clients' assets. Clients with Charles Schwab & Co., Inc. as
a custodian receive monthly account statements and trade confirmations
from Charles Schwab & Co., Inc. Through the Schwab Alliance website, Arbor
Investment Management, LLC clients can view account positions and balances as
well as make administrative choices regarding account documentation. To
establish a user name and password for the Schwab Alliance website, you
can phone the Schwab Alliance representatives at 800-515-2157. In addition
to the Charles Schwab & Co., Inc. periodic account statements, Arbor
Investment Management, LLC separately provides extensive quarterly reporting on
portfolio holdings and performance. Please contact us to request a sample
of Arbor Investment Management's quarterly reports along with answers to
any questions you may have.
These materials have been independently produced
by Arbor Investment Management, LLC. Arbor Investment Management, LLC is independent
of, and has no affiliation with, Charles Schwab & Co., Inc. ("Schwab").
Schwab has not created, supplied, licensed, endorsed, or otherwise
sanctioned these materials nor has Charles Schwab & Co., Inc. conducted
any independent verification of the facts and representations underlying
these materials."
Robert Tonkin is registered as an investment advisor
representative of Arbor Investment Management, LLC, in Alaska, Florida and Washington.
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