What We Do | Adams Financial Concepts

Why Future Planning is Superior to Financial Planning

Future planning and financial planning differ from one another in a few ways. For one, financial planning assumes a static economy, while future planning assumes a more dynamic economy. Second, financial planning does not account for “black swan” events that can’t be predicted, such as the pandemic. It also bases its probability for returns on a Monte Carlo simulation using the bell curve. Future planning rejects the notion that returns occur on a bell curve.

Which Plan Is Best For You?

At AFC we assess the gap between where you are and where you’d like to be. By looking at your circumstances, goals, and risk tolerance, we build a portfolio that suits your needs.

Manage Growth Accounts

With a track-record of more than 17 years, AFC managed growth accounts have the goal of beating the S&P 500TR over the longer term (10+ years).

Minimum $100,000 investment
Customized to your risk tolerance and needs
Available for individual investment and retirement accounts
Benchmarked against the S&P 500TR
Results are real client returns, not back-tested, and net of all fees

Custom Profit Sharing Portfolio

The Custom Profit-Sharing Portfolio offers the opportunity for accredited investors who only want to share profits. There is no assets under management fee or management fee. Adams Financial Concepts only earns money if you do. If the account value goes down, you pay nothing. Profits are calculated as cumulative and on a quarterly basis.

Customized to you - unique to you and your specific needs and risk tolerance
15-year track record of high performance on long-market accounts
Minimizing risk
Tax efficient
No fee – just profit sharing on the account
Classified as a conservative, not high risk account

401k

What a difference a 401k makes! Many employers tend to focus on the wrong aspects of a 401(k) plan to determine their efficacy. At AFC, we go beyond educating plan sponsors. We set up 401(k)s with the goal of maximizing the bottom line, the profitability to the company. Studies show the number one concern of employees in all age groups is having enough money to retire. We believe by satisfying that desire turnover will decline and recruiting will be easier.

We find that many companies view a retirement plan as a necessary expense in a competitive environment. As a result, we often see proposals from 401(k) providers that focus primarily on the fees.

We choose, instead, to focus on reducing turnover and improving productivity. While we cannot make guarantees our goal is to achieve superior investment performance.

We believe that better prepares participants for retirement and contributes to a exceptional 401K In addition by consistently reminding employees of the advantages they have with working for an employer that is looking out for their best interests with a retirement plan, and providing the tools necessary to set the employees up with tangible steps to ultimately meet their retirement needs, we find that the employer often sees cost savings that go beyond any plan expenses.

A Better Way to 401k

When done properly, the 401(k) becomes an investment in the company that can increase the bottom line.

Pricing & Fees

At Adams Financial Concepts, we feel the most important consideration regarding pricing is whether clients are achieving their objectives for growth and income for the risk level they are willing to accept. We really want our clients to know they are getting their money’s worth.

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It Takes Just 90 Minutes

Our introductory meeting lets us assess your needs and comfort level so we can create a portfolio plan. Advisors spend about 90 minutes with a client to understand their circumstances, goals, and risk tolerance to put together a portfolio proposal that suits them.

Returns matter a lot. It's our capital.

Abigail Johnson, CEO Fidelity Investments

Adams Financial Concepts takes a different approach
to portfolio investment philosophy.

We work hard to create wealth, that’s our job. We want you to be prepared – for retirement, emergencies, and opportunities! Not just to get you to retirement, but to achieve your goals and live out your plans. We are proud of our performance, and we believe the difference is focus.

While many firms focus on mitigating risk, we focus on wealth creation. We believe in a “Bottom Up” approach which puts the emphasis on finding companies that have favorable attributes which make them less volatile and grow even when the industry itself is suffering.

While a “Top Down” approach looks at diversity as a protection against bad markets, we find good companies that do well even in hard times. Warren Buffett, perhaps the greatest investor of our time prefers the Bottoms Up approach saying, “Put all your eggs in one basket and watch the basket.” (The Snowball: Warren Buffett and the Business of Life, 2008).

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News & Events

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From less than $95,000 to...

December 26, 2024

I first met Evie on the phone. It was 1986 and I had just licensed as a stockbroker. That is what we were in the 1980s before the title changed to...

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October 20, 2024

Private credit is loans from non-bank financial institutions to private companies that could not qualify for the loan through the regular bank...

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From less than $95,000 to...

September 30, 2024

I first met Evie on the phone. It was 1986 and I had just licensed as a stockbroker. That is what we were in the 1980s before the title changed to...

Read on