Our Services

Financial Planning

Since we recognize that each of our client's financial goals are unique, we begin by developing a financial plan tailored to individual objectives.  We treat this plan as a roadmap to success and recognize that it requires regular reviews to keep pace with changing market conditions and our client's evolving personal circumstances.

Through our affiliations with AXA Advisors LLC and AXA Network LLC and its subsidiaries, we have access to a broad network of investment and risk management products. This ensures that our clients receive unbiased, objective strategies tailored to each individual's financial plan.

Investment Philosophy

Werner Financial Group's investment philosophy has three integral components: independent and unbiased research, diversification and tactical portfolio rebalancing.

• Independent and Unbiased Research

As an "open architecture" financial services organization, we are able to draw from numerous investment mangers and research channels that are free of "conflicts of interest." This allows us to select the most appropriate mix of mutual fund managers and individual securities from an extremely broad universe. Our fiduciary responsibility ensures that each client receives clear, honest and objective investment advice.

• Diversification

Diversification among various asset classes and different types of securities is the key component to risk management in portfolio construction. We work carefully with each client to identify appropriate risk tolerance levels and investment time horizons. These decisions guide the appropriate mix of asset classes within a portfolio. When properly designed with low correlating asset classes, diversification can be a tool to help maximize long run return, while helping mitigate volatility and risk exposure.

• Tactical Portfolio Rebalancing

Two significant components of WFG's investment philosophy are performance reviews and portfolio rebalancing. With economic conditions and the investing climate in constant flux, it is imperative that clients' rebalance portfolios to help capitalize on market opportunities and limit exposure to over-valued asset classes. By educating clients about economic trends, and providing unbiased research, we enable clients to make educated investment decisions.

Estate Planning

Once clients achieve their retirement objectives, the focus often shifts to transforming invested assets into their families' lasting legacies through our estate planning* and wealth transfer services. Similar to financial planning, each client's legacy is unique and can take many different forms. Whether it is the transfer of a closely held family business, planning charitable contributions or concerns over the changing estate tax laws, we assist clients in charting the proper course. WFG has extensive experience and a network of resources, including the support of AXA Advisors Estate Planning team.

*Estate planning through the use of life insurance and other financial products.  WFG and AXA advisors do not provide tax or legal advice.  Please consult with your professional tax and legal advisors regarding your particular circumstances.