What are you investing for?
Personalized Investment Planning Serving Chicago
Investment Planning in Chicago
Build an investment strategy around what you want your money to accomplish.
Gold Coast Capital Management helps Chicago investors develop personalized investment plans based on their goals, existing assets, risk tolerance, time horizon and broader financial circumstances.
Work directly with Dragan Mark Filipovic, CFA®, to bring greater structure and purpose to your investment decisions.
01A Coherent Framework
A Clear Strategy for Your Investments
Investing often becomes more complicated over time.
You may accumulate retirement accounts from previous employers, taxable investments, individual stocks, cash and other assets without ever stepping back to determine how everything should work together.
Or your investments may have been designed for an earlier stage of life and no longer reflect where you are today.
Investment planning provides that broader framework.
Gold Coast Capital Management provides investment planning for individuals and families in Chicago who want a clearer connection between their financial objectives and the way their assets are invested.
Before deciding what belongs in your portfolio, we first consider what the portfolio needs to accomplish.
02Start With Questions
What Is Investment Planning?
Investment planning is the process of developing an investment strategy based on your individual financial circumstances. Rather than starting with a particular fund, stock or investment product, the process begins with questions such as:
When might you need the money?
How much investment risk is appropriate?
What assets do you already own?
How much liquidity do you need?
Are you approaching retirement?
Do you have concentrated investment positions?
Are there relevant tax considerations?
Has a recent financial event changed your situation?
The answers help establish the framework for how your investments should be structured.
A good investment plan gives individual portfolio decisions a purpose.
03Our Process
Our Investment Planning Process
01
Define Your Goals
Every investment strategy should start with an objective.
Your goals might include preparing for retirement, preserving and growing accumulated wealth, investing an inheritance, managing proceeds from a business sale or simply organizing investments that have accumulated over many years.
Understanding those objectives helps determine what your investment portfolio actually needs to do.
02
Review Where You Are Today
Before creating a new strategy, we look at the investments you already have.
That may include reviewing:
Brokerage accounts
Retirement accounts
Existing asset allocation
Concentrated holdings
Cash positions
Diversification
Investment risk
Investment costs
Advisory fees
Relevant tax considerations
Sometimes the existing portfolio already provides a strong foundation.
Other times, investments accumulated at different points in life no longer work together as a coherent strategy.
03
Determine an Appropriate Level of Risk
Investment planning involves balancing the return you hope to achieve with the amount of risk appropriate for your circumstances.
That decision should consider both your willingness to experience market volatility and your financial ability to do so.
Someone investing for decades may have very different considerations from someone preparing to rely on their portfolio for retirement income.
The objective is not to take the most risk possible or eliminate investment risk entirely.
It is to establish a level of risk that makes sense for you.
04
Establish Your Investment Strategy
Once your goals, time horizon, existing assets and risk profile are understood, those factors can be translated into an investment strategy.
The strategy provides direction for decisions involving:
Asset allocation
Diversification
Portfolio risk
Liquidity
Account structure
Investment costs
Tax awareness
Ongoing portfolio management
The result should be a portfolio designed around your circumstances rather than a collection of disconnected investments.
04Moments of Change
When Investment Planning Can Be Especially Valuable
An investment plan can be useful at any stage, but certain financial transitions often create a natural reason to reassess your strategy.
Approaching Retirement
As retirement gets closer, your time horizon, liquidity needs and tolerance for investment risk may change.
Your investment strategy should evolve with them.
Receiving an Inheritance
An inheritance may introduce new investments, cash or concentrated positions that need to be considered alongside the assets you already own.
Selling a Business
A major liquidity event can transform wealth concentrated in a private business into financial assets requiring a new investment strategy.
Changing Financial Advisors
Before transferring a portfolio to another advisor, it may be worth reconsidering whether the existing investment strategy should simply be carried forward unchanged.
Consolidating Multiple Investment Accounts
Investors often accumulate accounts at different institutions over time.
Investment planning can help evaluate those assets as one portfolio rather than several unrelated accounts.
Your Goals Have Changed
The investment strategy that made sense ten years ago may no longer reflect your current priorities, financial circumstances or stage of life.
05Strategy & Implementation
Investment Planning vs. Portfolio Management
Investment planning and portfolio management are closely connected, but they are not exactly the same.
Investment Planning
Investment planning establishes the strategy.
It defines what the portfolio needs to accomplish and considers your goals, risk tolerance, time horizon, liquidity needs, existing investments and other relevant circumstances.
Portfolio Management
Portfolio management is the ongoing implementation and oversight of that strategy.
It includes constructing the portfolio, monitoring investments, managing allocation and risk, and making adjustments when appropriate.
At Gold Coast Capital Management, the two work together.
First, understand where you are going. Then build and manage the portfolio designed to help support that objective.
06Tax Considerations
Investment Planning With Taxes in Mind
For investors with taxable assets, investment decisions can have tax consequences.
Selling appreciated investments, restructuring an existing portfolio or determining where different investments should be held can all create considerations beyond investment performance alone.
Gold Coast Capital Management takes a tax-aware approach to investment planning when appropriate.
Taxes do not dictate every investment decision, but potential tax consequences should not automatically be ignored when developing a strategy.
Professional Scope
Gold Coast Capital Management does not provide individualized tax or legal advice. Clients should consult qualified tax and legal professionals regarding their individual circumstances.
Founder & Chief Investment Officer
07Direct Relationship
Work Directly With Dragan Mark Filipovic, CFA®
Your investment plan should not disappear into a system once it has been created.
At Gold Coast Capital Management, clients work directly with Dragan Mark Filipovic, CFA®, Founder and Chief Investment Officer.
Dragan brings approximately two decades of experience across investment banking, finance and wealth management and remains personally involved in understanding each client's circumstances and investment strategy.
There are no proprietary investment products or sales quotas driving the planning process.
The focus is on determining what your investments need to accomplish and creating a disciplined approach for pursuing those objectives.
Gold Coast Capital Management charges a transparent 0.50% annual advisory fee for ongoing advisory services.
08Questions & Answers
Frequently Asked Questions About Investment Planning
Investment planning involves evaluating your financial objectives, time horizon, risk tolerance, liquidity needs, existing investments and other relevant circumstances to establish an appropriate investment strategy.
The resulting strategy can then guide portfolio construction and ongoing investment management.
Investment planning focuses specifically on how your investment assets should be structured and managed in support of your financial objectives.
Broader financial planning may include additional areas such as insurance, estate planning, budgeting or other matters.
Gold Coast Capital Management's investment planning service is centered on investments, portfolio strategy and related wealth-management decisions.
Having investments does not necessarily mean you have a coordinated investment strategy.
An investment plan can help determine whether your current portfolio, allocation, risk and account structure still make sense for what you are trying to accomplish.
Yes. Gold Coast Capital Management offers a complimentary portfolio review for investors who want an independent perspective on their existing investments and strategy.
You do not need to transfer your assets or change financial advisors simply to request a review.
Yes. Gold Coast Capital Management serves individuals and families throughout Chicago as well as clients nationwide where the firm is properly registered or exempt from registration.
Schedule a Consultation
Give Your Investments a Clearer Direction
Your portfolio should reflect where you are going, not simply what you have accumulated along the way.
If your investments have become fragmented, your financial circumstances have changed or you simply want another professional perspective on your strategy, start with a complimentary portfolio review.
Speak directly with Dragan Mark Filipovic, CFA® about your current investments, goals and what your portfolio needs to accomplish.
Speak Directly With Your Advisor
(847) 899-7986
info@goldcoastcapm.com
Serving Chicago, IL and clients nationwide.
Gold Coast Capital Management, LLC is a registered investment adviser. Registration does not imply a certain level of skill or training. Advisory services are offered only to clients or prospective clients where Gold Coast Capital Management, LLC and its representatives are properly registered or exempt from registration. Nothing on this website should be construed as personalized investment, tax, or legal advice. Past performance does not guarantee future results.