BIG Investment Services

November 7, 2012
 At BIG Investment Services, the focus is on you, the individual customer. BIG Investment Services does not strive to be all things to all people. The company's approach is not to make you rich but to try to keep you from being poor. Taking such a conservative approach is not right for everyone but the financial advisers at BIG believe it has served their firm and their clients well over the years. 
BIG President David Boothe said, "There are a lot of people in our industry that focus on a client's money and investments without focusing a lot of attention on the details of a client’s particular need, situation and personality as it relates to money. For a client, it’s all about reaching the end result without losing sleep in the process. Will they be able to help a child through college, buy a second property, retire or pass on a legacy to their grandchildren and will they be able to do these things without having a panic attack when the market crashes?"
Boothe continued, "At BIG we understand that it's more than just money. Our mission is to know our clients' hopes, dreams and fears and then help make sure their money is aligned with their life."
BIG's advisors stay on top of your accounts, scheduling your next six-month review appointment before you leave the office. They make adjustments on a regular basis, stay up to date with changes taking place in your life, review your company retirement plans and address anything else that may be pertinent. 
Taking a conservative approach doesn't mean "buy and hold" at BIG. The company's investment philosophy is a tactical one that shifts with given market conditions. Once your adviser has determined the proper balance between your risk tolerance and your need for growth, he or she will allocate your money to meet those parameters. 
Then, within those parameters, tactical shifts are made on an ongoing basis, shifting funds from stock market to bonds or vice versa to take advantage of potential opportunities — but not so much that it takes you out of your comfort zone in regards to risk.
These decisions are not left up to a third-party money manager. Unlike a lot of programs where the financial advisor is an intermediary between the client and third party portfolio management, at BIG Investment Services, you're getting personal service. BIG does not maintain a single discretionary or fee based account that is contracted out to private money managers. All of its fee based and discretionary management is done in-house. 
"If your goal is to get rich picking hot stocks, BIG Investment Services is not the firm for you," [Booth said]. If, however, you're interested in pursuing your short and long term financial goals at a pace that you should be comfortable with even when the markets are struggling, then consider these services that BIG offers to individuals and businesses:
• Retirement planning - Help making the most of your employer-sponsored retirement plans and IRAs. Determining how much you need in order to retire comfortably. Managing assets before and during retirement.(• Tax management - Help making sure your portfolio is tax-efficient. Developing tax-efficient investment strategies. Referring you to qualified tax specialists. (BIG Investment Services and Wells Fargo Advisors Financial Network do not provide tax or legal advice. Please consult with your tax and legal advisors before taking any action that may have tax consequences.)(• Estate planning - Working with estate-planning and trust specialists to help review your wills and trusts, preserve your estate for your intended heirs, establish beneficiary designations, reduce potential exposure to estate taxes and probate costs and coordinate with your tax and legal advisors, (Trust services are available through banking and trust affiliates in addition to non-affiliated companies of Wells Fargo Advisors. Wells Fargo Advisors and its affiliates do not provide legal or tax advice. Any estate plan should be reviewed by an attorney who specializes in estate planning and is licensed to practice law in your state.)(• Education funding - Recommending investment and accumulation strategies to help you pay for your children's education.
• Risk management - Reviewing existing insurance policies.(• Investments - Determining your asset-allocation needs. Helping you understand your risk tolerance. Recommending the appropriate investment vehicles to help you reach your goals.
Money is only a means to an end. BIG wants to help you reach and stay comfortable in retirement, address the succession planning needs of your practice or business, send your children to college or get that RV or vacation home that you've always wanted, all while trying to be mindful of the level of risk that you are comfortable in taking to get there.
The thought of interviewing a new financial advisor or going to go see one for the first time can be a bit daunting. BIG Investment Services strives to provide you with a comfortable yet thorough, no pressure experience. Your initial two-hour consultation is free. Details about the "new client process" are available at www.abigplan.com. Start with a visit to the website or contact BIG Investment Services at 450 Kings Highway N.E., Dover, DE 19901, telephone 302- 734-7526, or email David Boothe directly at dboothe@abigplan.com.
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