Cramer & Rauchegger is a "team practice." Scott and Tom meet with every client together; ensuring that each client gets the necessary time, care and insight needed to achieve their financial goals. Both advisors play an equally important role in the creation, implementation and maintenance of each plan, allowing clients to benefit from their collective knowledge and expertise.
Retirement is a crucial time in your financial life, when you need to assume less risk and focus on protecting your wealth and guaranteeing your income. Choices about spending, investing and how you manage your assets can make all the difference.
We work with our clients to develop effective strategies that reduce long-term risks, generate monthly income and grow their portfolios to protect against inflation.
Unlike other advisory firms, Cramer & Rauchegger has largely abandoned the traditional "buy and hold" model for mutual funds and equities and has instead embraced the forward-thinking U.S. endowment strategies of Ivy League Institutions such as Yale and Harvard. As Scott pointed out on Bloomberg Television's investment program, "Taking Stock," there are many benefits to individual investors using the same model as large endowments. The Endowment Model, which utilizes investments and asset classes that are not correlated to the market, has proven to maximize returns and reduce risk while keeping the individual investor's retirement goals on track.
Until recently, these types of investments have been largely unavailable to individual investors. As knowledgeable Endowment Model strategists, we create investment and retirement plans for client's that take advantage of these opportunities.
The modified Endowment Model strategy may not be suitable for all investors. It utilizes alternative investments which may be illiquid.
There are material differences between the terms under which endowments and individuals can invest in alternative investments. These differences include, but are not limited to commissions and fees, conflicts of interest, access to investment opportunities, size, investment time horizons, and the ability to tolerate illiquidity. There is no standard or exact definition of the endowment model. Portfolio design, specific investments and ultimately performance vary considerably among endowments and investors. Kalos does not claim that any investor will achieve the same result as any endowment, institution, or other investor. Kalos' Investment Adviser Representatives have a conflict of interest when they recommend securities where they earn a commission as Registered Representatives of Kalos Capital. We address this conflict by disclosing the fees and commissions related to the investments recommended to our clients. Also, Kalos representatives do not earn both advisory fees and brokerage commissions on the same assets.