As you enter your prime earning years, building wealth and securing a stable financial future has now become paramount. While you’ve grown up observing your parents working with traditional investment advisors, it's essential to recognize that the financial landscape has evolved. Today, as a "Modearn” investor, you prioritize the need for living now rather than solely focusing on frugal living for a distant retirement. You recognize the importance of building wealth through various avenues but need more expansive investment opportunities beyond just stocks and bonds and various online trading platforms. You have access to investment content and information (even from Reddit or TikTok), but strategically managing investments can be complex and even emotional. Here are the seven reasons how working with a Modearn advisor can be beneficial for you:

1.     Time-Saving:

Managing investments can be time-consuming and requires a lot of research, monitoring, and analysis. Should you accelerate paying down your student loan or use that money to invest in more lucrative opportunities? Is owning a multi-unit apartment building right for you? Should you have crypto in your portfolio? By working with an advisor, you can delegate these tasks to a professional and free up your time to focus on doing things that you truly love. Modearn advisors handle the day-to-day investment management, which allows you to benefit from their knowledge and experience without sacrificing your valuable time.

2.     Knowledge of Technology and Digital Tools

The traditional model for financial advisors is to use routine processes and schedule meetings with clients once or twice a year. You are left on your own in the meantime and dependent on your annual meeting for updates to your financial health. We have created the Modearn app to provide you with real-time access to your online portfolio reporting and simplified account management. To enhance your investment knowledge, we curate content that is specific to your financial situation rather than one-size-fits-all general advice that you can find online. Your investment advisor is now in your pocket, and they are just a text or call away.

3.     Personalized Guidance for Unique Financial Situations

Investors like yourself face specific financial challenges that differ from those of your parents. You wrestle with the right balance between current enjoyment and future financial security. You juggle multiple financial goals like paying down student loans, owning a home, maximizing your earning potential at work, building additional income streams, and planning for your kids' college education. Because of your unique circumstances, your spending and investment strategies must align with your personal aspirations for both present fulfillment and long-term wealth accumulation.

4.     Access to Investments Not Available to Everyday Investors

As a new-generation investor, you recognize the importance of diversifying your income sources beyond traditional employment. You may seek to build wealth through various avenues like a side hustle, a traditional stock-and-bond portfolio, or real estate ownership, which all offer the potential for cash flow, long-term appreciation, and portfolio diversification. However, the landscape of investing and the world we live in has changed.

With years of experience in real estate markets, private equity analysis, and deal sourcing, we are able to identify attractive investment opportunities that include precious metals and other commodities, private real estate opportunities (hotels, student housing, senior living, shopping malls, warehouses, music royalties), and private lending (healthcare royalties, real estate lending, or lending to food producers). Through our networks and industry connections, we provide access to off-market opportunities and private funds (where appropriate) that may not be readily available to everyday investors due to high minimums and other qualifications for initial purchases. This access to a broader range of opportunities allows you the opportunity to achieve potentially higher returns, additional income streams, better risk management, and greater diversification within your investment portfolio*.

5.     Alignment with Modearn Values

You have distinct values and priorities that differ from previous generations. Modearn investment advisors recognize and embrace these values, allowing investors like you to align your investments with causes that you care about. Socially responsible investing (SRI) and environmental, social, and governance (ESG) sectors have become integral considerations for investors like yourself. Whether it's investing in sustainable energy, supporting companies with diverse leadership, or promoting ethical business practices, Modearn advisors can provide opportunities to make a positive impact through your investment decisions.

6.     Behavioral Coaching and Emotional Support

Like physical fitness, we know what we need to do to meet our goals, like eating healthily, exercising, and possibly hiring a personal trainer for accountability. As we are only human, our emotions get the best of us, and we don’t always stick to a plan. The same problem exists with investing: we have a plan in place, but we let our behaviors get in the way. You cannot expect to get fit in a week, so you shouldn't expect to get rich in a short time frame. The incremental improvements in strength, endurance, and flexibility add up to significant gains over time. Modearn advisors not only act as financial fitness coaches but we also focus on behavioral education. We realize the problem of people not succeeding financially is not how oil or gold will perform or which president will be elected, but personal behaviors. We understand the behavioral pitfalls that can derail investment strategies and offer emotional support to help keep you on track, overcome emotional biases and make rational decisions that align with your long-term financial goals.

7.     Peace of Mind:

You live in a chaotic world with headlines trying to grab your attention through Wall Street news, Reddit, and even TikTok. Most try to associate investments with complexity and fear. We realized investments should not be complex and for those only on Wall Street. Collaborating with a Modearn advisor can provide peace of mind, knowing that you have a professional overseeing your investments and financial well-being. We provide reassurance and education during market fluctuations, act as a trusted resource for financial decision-making, and offer guidance during major life events or financial transitions.

Money provides the means to pursue your aspirations, support causes you care about, and enjoy newfound opportunities and flexibility, like traveling the world or spending quality time with your friends and family. Money shouldn’t cause more stress or stop you from doing the things that you love. While it's true that sophisticated individuals like yourself have the capacity to embark on your investment journey independently, we believe that a partnership with a skilled investment advisor can offer invaluable knowledge, guidance, and support, which ultimately will lead to more informed decisions and financial peace of mind.

*Disclosures:

Information is intended for educational purposes only and should not be taken as a recommendation, offer or solicitation to buy or sell any security or asset class. Sample portfolio does not consider the specific needs of the recipient, including financial situation, legal or tax considerations, investment restrictions, and/or risk tolerances. Your allocation may be different based on your specific risk tolerance and objectives, as well as relevant economic and market factors. Sample Morton Portfolio contains private investment opportunities that are only available to eligible clients and can only be made after careful review and completion of applicable offering documents. Past performance does not guarantee future results. Any investment strategy involves the risk of loss.