– Richard C. Cella, III
OUR VALUE PLEDGE
As your personal financial advisors,
We will first take the time to learn about you, your family, or your company, get to know your objectives, your dreams and your financial circumstances.
We will report back to you with a comprehensive plan, which summarizes your goals, objectives and needs and provides a clear set of recommendations to help accomplish them. With this plan we will establish the means to track your performance.
We will provide full disclosure regarding fees and advise you how to help lower expenses to improve net returns. We will provide you with the necessary information and options so that you can make an informed decision as to the most efficient methods for investing or providing company benefits.
We will provide an independent analysis to identify risk, performance and style appropriateness using recognized investment analysis software and third party references.
We will only advise you on those matters for which we have expertise and refer you to an expert for those matters which we do not. Whenever possible, we will obtain advice from our team of professionals associates at no cost to you.
We will continue to maintain our education in accordance with the highest standards so that we may advise you on investing, retirement planning, taxation, insurance and wealth transfers.
We will either charge a fee or a commission never both and it will always
be your choice.
We will not disclose your personal or confidential information to anyone unless you request that we do so.
We will always advise you to do only that which is in your best interest based on our education, training and experience and communicate with you openly and honestly.
We will conduct the above noted services in keeping with the highest ethical standards and in full compliance with the guidelines and regulations set forth by FINRA , SEC .
At Ipswich Bay Advisors (IBA), our wealth management philosophy centers on a comprehensive approach to long-range planning and unbiased investment advice. With over 25 years of investment and retirement planning experience, we have earned the trust of many, hard-working professionals, business owners and families.
We seek to help moderate and conservative investors who want to live well and preserve wealth through careful private-asset management and estate, tax and insurance consulting. We can help you coordinate your goals and objectives into a well devised financial plan from learning and understanding every facet of your financial situation to managing your wealth according to your personal investment strategy.
Securities offered through Investors Capital Corporation, 800-949-1422, Member FINRA/SIPC. Advisory services may be offered through Investors Capital Advisory or Capital Advisory Group Advisory Services, LLC, an independent registered investment advisor not affiliated with Investors Capital Corporation.
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The IBA Difference
Richard Cella, III and IBA pride themselves on being innovative leaders in the coordination of corporate retirement plan holdings and personal investment strategies. We create and monitor strategic asset allocation and/or tactical investment models using highly respected third-party research and analytical systems.
As a Registered Investment Adviser (RIA), Richard believes in investment strategies rooted in fundamental values and the ability for his clients to share in corporate profits through stock dividends. We design portfolios that offer the opportunity to achieve market performance results while maintaining below average risk factors as identified by our investment monitoring and portfolio analyses systems1.
The strategy is based upon improving cash flow and then investing in long-term assets that also have good earnings potential and a higher degree of relative safety. The assets are selected for non-correlation. During high-risk periods in the markets, risk exposure is reduced to help preserve assets. Thus, clients could have more to invest and, theoretically, a better chance of meeting their performance expectation on their investments.
ASSET ALLOCATION RISK DISCLOSURE
Each asset class has its unique risks which are important to understand.
Cash Assets. Because of the inherent safety of cash instruments, yields tend to be lower than other higher risk investments.
Bonds Assets. Fixed income investments entail interest rate risk i.e. as interest rates rise bond prices usually fall, issuer default or credit risk, and inflation risk.
Large Cap Assets. Stock markets, especially foreign markets, are volatile and can decline significantly in response to adverse issuer, political, regulatory, market, or economic developments.
Mid Cap Assets. The value of securities of medium size, less well-known issuers can be more volatile than that of larger issuers.
Small Cap Assets. The securities of smaller, less well-known companies can be more volatile than those of larger companies.
International Assets. Foreign securities are subject to interest rate, currency exchange rate, economic, and political risks, all of which are magnified in emerging markets.
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Becoming a Client
The foundation of your relationship is a precise, disciplined approach to successful long-term investing. We combine investment strategies with the agility to needed to take advantage of timely opportunities.
We possess a wide range of planning experience. Whether your needs require planning for retirement, education, or another financial purpose, we specialize in developing a customized plan appropriate for your situation.
We understand that situations may arise when outside experts are needed. We will work with you to find the professional best suited for the present situation. This may include finding an estate attorney, a CPA, or other appropriate professionals. It is our job to work with them and assist them in making sure your needs are properly managed.
We achieve a thorough understanding of you investment goals and establish a comfortable risk level by listening carefully to you, asking the right questions, and consulting with your other professional advisors when appropriate. We analyze your current financial situation and use these findings to prepare a personalized investment policy that shows you the big picture. This policy statement becomes our blueprint for achieving your goals. It illustrates your foundation and explains how to construct the final product.
We consult with you to review the details of your customized financial plan and to confirm our interpretation before executing our recommendations. We monitor portfolio performance while consistently checking to ensure that your assets are properly positioned. This allows us to decide if reallocation and proper rebalancing of these positions is needed. We communicate with you regularly, providing performance reporting and recommendations as they present themselves.
If you're ready to take hold of your financial future and desire to work with a professional team of the highest personal ethics and integrity and people who care about your needs and goals, feel free call our office at 978-777-6554 or 888-777-6757 and make arrangements to meet with an advisor.
Advantages of an IRA vs. 401(k)