Is Joule Financial right for you?

We realize we are not the right fit for everyone. The advisor-client relationship depends on mutual respect with a foundation of quantified and measurable goals.



Starting with an End in Mind

What is the rate of return you need to achieve so that you will not run out of money?

It’s a simple question. It may be the most important question. But most can’t answer it. It is only after you determine the rate of return needed that you can even begin to structure an investment portfolio.

At Joule Financial, we work tirelessly from the very beginning of our relationship so that we can develop a financial plan designed to help meet your goals.

Step 1
Financial & Retirement Plan Questionnaire

Our process begins by completing our planning questionnaire. This confidential, fact-finding document helps us to analyze your current balance sheet, liquidity position, cash flow needs, future tax liabilities and retirement income needs. Once completed, we use this data to complete a drafted multi-page, hard cover, plan that becomes the starting point for future financial and retirement goals.

Download our planning questionnaire here to get started.

Step 2
Plan Presentation

We take the plan presentation seriously. We show you precisely how your financial plan looks and what it says in plain English. Our primary objective is to evaluate the goals and timing, providing suggestions along the way. It is also through this process that we discover your Required Rate of Return (RROR) It is with this RROR which helps us to determine appropriate investment allocations. If however this RROR does not align with your temperament or risk profile, we must revisit the initial goals and objectives making adjustments as necessary.

Step 3
Recommendations & Implementation

Does our plan correspond with your initial goals? Often we find that an individual’s life goals do not correlate with their current investment allocation, savings rate or overall balance sheet. These can be tough conversations. But we want to show you the unbiased truth.  It is our goal to make appropriate recommendations to help you achieve your goals and not leave your financial future to chance.

Step 4
Ongoing Plan Revision

A true financial plan is not stagnant but rather a living breathing document, adjusted and adapted when your life changes. We revise financial plans on an as-needed basis. Typically, prior to retirement these plans can be updated every two years. We reevaluate a few months before retirement and then immediately after. Upon retirement, we review your financial plan on an annual basis, or more frequent if needed,  to ensure you’re comfortable with all the current objectives and strategies.

Financial markets will ebb and flow but it is important to always return to the long term financial plan for peace of mind.

Step 5
Communication & Education

Our best client is informed about their goals and strategies to achieve them. They’re engaged with the planning process and understand how life changes or major financial decisions may impact their longer term financial planning or retirement planning goals.

We reach out to our clients, at minimum, each quarter to simply touch base and see how you are doing. We combine this with periodic newsletters and client correspondence to keep you informed about your portfolio’s development and economic trends at-large.



Classic Investment for Today’s Money

The market can be irrational and volatile. Long-term investment strategies rely on analysis and corporate valuation, but they often cannot take two fundamental factors into account: fear and greed.

We are not afraid of the word sell. We often use cash as a way to hedge against market volatility or potential market losses. Our management style may at times be active, will always be flexible and most importantly, hands-on.

Five Building Blocks of Investment


We follow fundamental investment strategies built on five key tenets.

1. Risk Tolerance

Everyone’s risk tolerance is different, and that tolerance dictates the course of their investment strategy.

The markets work in cycles, punctuated by significant and unexpected corrections. How much your portfolio participates in those cycles depends in large part on your risk tolerance. At Joule Financial, we strive to assist you in achieving your financial goals by looking to align your allocation with both your needs and your temperament.


Aggressive > Moderately > Balanced > Conservative > Stable Value

2. Asset Allocation

One of the most basic, yet ignored, principals of successful investing is properly allocating investments among different asset classes. Asset allocation is commonly mistaken with diversification – but the two are quite different.

Asset allocation is the blend between fixed asset classes (e.g. bonds) and variable asset classes (e.g. stocks and real estate).

The categories of asset allocations are as follows:


Aggressive > Moderately > Balanced > Moderately Conservative > Conservative

3. Diversification

With proper diversification or exposure to multiple asset classes, individuals can not only potentially improve results, but they may also reduce portfolio volatility.

At Joule Financial, we implement a rigorous process in selecting variable asset classes and determining what we believe is a prudent exposure to each. This allocation is called the Joule Financial All Equity Allocation, and is diversified among variable asset classes like large and small capitalized domestic companies, international and emerging markets, as well as potential exposure to specific areas like financial or utility companies.

The following is an example of a diversified, equity allocation model.

Services Page Diagram

Once the Joule Financial All Equity Allocation is determined, it’s implemented in direct correlation to your agreed asset allocation level, informed by your risk tolerance.

4. Rebalancing

Over time, the asset allocation and diversification of the portfolio will change. At different times, different asset classes will outperform others, so we believe it is important for a portfolio to be rebalanced in order to achieve the desired allocation.

Typically, on an annual basis, or more frequently if needed, Joule Financial rebalances each portfolio by calculating the current allocation and adjusting the exposure accordingly.

Services Page Diagram Variable and Fixed Equity

5. Time

Entering into a relationship with an investment advisor should not be taken lightly, and the success of an investment strategy can only be determined after navigating a series of financial market cycles. Immediate success is not always the case. Prudent and disciplined investors can, however, significantly improve results if they remain patient and diligent.

Unfortunately, most advisors don’t have a proper plan in place. While the development of such a plan is crucial, allowing adequate time for this plan to work is also important.

Joule Financial builds solid business relationships with long-term commitment – despite the market’s volatility.



One of the best ways to learn more about Joule Financial is to join our free e-mail list. Periodically we will send out an e-mail newsletter for you to learn more about what we’re thinking or doing for client portfolios. We will never sell your information nor solicit you through this e-mail. It is for informational purposes only.