Our Services

We offer tailored financial services along with investment management solutions to help you achieve your unique financial goals. 

Retirement Strategies

Retirement Strategies

What money are you prepared to spend first in retirement? A strategy based on your income sources may help you decide. The good news is you won't have to do it alone.

Education Strategies

Education Strategies

With some preparation, we can develop an approach that can help you manage the cost of education for your children.

Estate Strategies

Estate Strategies

An estate strategy involves more than updating key documents. Let's build a strategy to protect your legacy.

Social Security Strategies

Social Security Strategies

Social Security can play a key role in your overall retirement plan. We'll work together to build a customized Social Security strategy.

Portfolio Management

Portfolio Management

We work with you and your family to explore an investment portfolio that takes into consideration your goals, time horizon, and risk tolerance.

 

Debt Management<br/>

Debt Management

Develop a personalized plan to get out of debt and achieve financial freedom.

 

Life Insurance

Life Insurance

Life insurance is a key risk-management tool that can help you pursue your financial dreams while protecting the ones you love. 

Financial Education

Financial Education

We're available to expand your financial literacy to gain a deeper understanding of financial concepts with personalized education sessions.

 

Our Fees

One of the core values of our firm is transparency. We believe that clients deserve to know exactly what they are paying for and how much it costs. We are committed to providing clear and concise explanations of our fees. We strive to reduce unnecessary costs and make investment decisions with this in mind. We think you will find our fees to be some of the most competitive in the industry. 

Financial Planning

  • Comprehensive financial planning typically includes planning for retirement, education savings, income taxes, life and long-term care insurance, as well as investment management & advice.  We will help you define your financial goals and objectives and develop a personalized Financial Plan to help accomplish those goals. We can either prepare a comprehensive plan for you, or we can address specific planning needs. If needed, we can consult with a tax accountant and estate-planning attorney when building your financial plan.

  • If you have $250,000 or more in assets under management with us through Schwab Institutional (described below), we will provide Financial Planning services at no additional fee.  *Hourly Financial planning services are billed at $200 per hour. We will estimate the number of hours required to complete your plan before we begin.

*Irving Planning & Investments, Ltd. does not prepare tax documents or estate documents. You should consult with a CPA or estate attorney for these services. 

Asset Management & Advice

  • We assist you in making informed investment decisions by allocating your investments across different asset classes depending on your goals, risk tolerance, and financial circumstances. We aim to grow and protect your wealth while reducing the burden of managing your investments on your own.

  • Our minimum account size for fee-based asset management is $100,000. Our fees are based on the client's total portfolio value with breakpoints as noted above.

  • Client assets, for the purpose of computing the above fee, shall include the combined assets of the accounts of spouses and their children living in the same household. In the instance of multiple accounts, the fee shall be paid from one or more accounts as designated by the client.

Our Philosophy

Our Philosophy

With decades of experience, our investment philosophy has weathered a variety of market conditions. We tailor our portfolios to pair with your specific time horizon and risk tolerance, while emphasizing a disciplined, diversified approach that focuses on low-cost investments. We aim to minimize risk and encourage investors to stay committed to their financial goals without getting sidetracked by inevitable market fluctuations.

  • Reduced Risk through Diversification: Diversification involves spreading your investments across different asset classes (stocks, bonds) and within those classes (various industries, regions, company sizes). By doing so, you spread the risk. If one investment performs poorly, others may offset those losses, reducing the overall impact on your portfolio.

  • Minimized Costs with Low-Cost Funds: Mutual funds and ETFs with low expense ratios (fees charged by the fund) enable investors to keep more of their returns. These funds are designed to mirror broader market indexes or specific sectors, offering exposure to a wide range of securities at a minimal cost. Over time, lower fees can significantly impact long-term investment returns.

  • Long-Term Consistency over Market Timing: Attempting to time the stock market involves predicting when to buy or sell investments based on short-term fluctuations. However, it's incredibly difficult to consistently time the market correctly. A simple investment philosophy encourages investors to focus on their long-term financial goals rather than trying to predict short-term market movements. By staying invested for the long term, you're less affected by market volatility and more likely to benefit from the market's overall upward trend over time.

  • Emotional Discipline and Reduced Stress: Market timing often leads to emotional decision-making, driven by fear or greed. Following a simple investment strategy promotes discipline by avoiding reactionary decisions based on short-term market movements. This helps reduce stress and allows investors to stay the course, even during turbulent market conditions.

  • Consistent Performance: While trying to beat the market might sometimes result in outsized gains, it often leads to inconsistent performance and increased risk. On the other hand, a strategy built on diversification and low-cost funds aims for consistent, reliable performance aligned with the overall market, potentially offering more stable returns over time.

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