FAQs
BeauMorgan Advisors provides comprehensive financial planning and investment management services. Below are answers to frequently asked questions to help address common topics and better support your financial decisions.
Investment Philosophy & Strategy
What is the "180° Problem"?
The “180° Problem” is our core concept explaining that the rules of money change completely when you retire. Strategies that worked for saving (accumulation) can actively hurt you during withdrawal (decumulation). Retirement introduces new risks like the “Tax Torpedo” and “IRMAA Surprises” that require a different strategic approach than simply “buying and holding”.
What is Beau Morgan's investment approach?
We believe in “evidence-based” investing that prioritizes research over headlines and discipline over predictions. We utilize deep in-house research and proprietary models to build “high-conviction portfolios”. Our strategy includes a “Short-Term Capital Appreciation Strategy” to capitalize on near-term market opportunities, though clients should be aware this can involve higher turnover and volatility. Additionally, we utilize a “Custom ETF” specifically designed for tax-sensitive portfolio transitions.
How does Beau Morgan handle market volatility?
Services & Financial Planning
What is the "Bracket List"?
The “Bracket List” is our proprietary framework for managing tax-smart income in retirement. It is a personalized roadmap that considers your specific goals, tax brackets, and withdrawal needs to determine the optimal order of withdrawals from your accounts (Taxable first, Tax-deferred next, Tax-free last) to preserve more of your wealth.
What services does Beau Morgan offer beyond investment management?
- Tax Planning: Strategies to avoid the “Social Security Tax Torpedo” and Medicare IRMAA cliffs.
- Legacy Planning: Advice on asset titling and spousal rollovers to ensure heirs receive a step-up in basis and avoid unnecessary taxes.
- Educational Resources: Subscriptions to “Morgan Minutes” (investment newsletter), “Beau Talks” (financial literacy videos), and financial coaching sessions.
- Retirement Plan Consulting: Services for plan sponsors of employer-sponsored retirement plans.
Does Beau Morgan help with charitable giving?
Security & Compliance
Where are my assets held?
We utilize Charles Schwab & Co., Inc. as our qualified custodian. This ensures your funds and securities are held independently from our firm.
How does Beau Morgan protect my privacy and data?
We maintain strict cybersecurity policies, including the use of cloud-based backups, encryption, and “clean desk” policies. We do not share your nonpublic personal information (NPI) with non-affiliated third parties unless necessary to provide our services or required by law. We also have a specific policy to protect senior and vulnerable clients from financial exploitation, including placing temporary holds on transactions if exploitation is suspected.