About Us
Your Wealth Managment PartnerOur Story
Cooperative Financial is more than an investment management firm; we are the trusted wealth partner for the clients we serve. We employ a personalized, holistic approach to wealth management that begins with our sincere desire to understand each client’s unique financial, philanthropic, and estate planning objectives. From that cornerstone of trust, we build and maintain custom investment portfolios that are designed to deliver upon the financial goals of our clients as well as protect and augment the wealth of their families for generations to come.As we formed Cooperative Financial, we reflected on what we felt was the one key underlying value that produced successful relationships and partnerships in our past business ventures. The word which came to mind for both the founders was compatibility, and at Cooperative Financial we decided to base our business model on the principal value of compatibility.
We feel that compatibility is key to every partnership we enter in life, whether it’s the choice of where to live, where to work, or who to spend our time with. Why shouldn’t compatibility be equally important in the selection of the individuals you entrust to manage your wealth?
Our Difference
At Cooperative Financial, we take the time to listen to our clients and educate them on our investment philosophy and portfolio construction process so we can involve them in the decision-making process and ensure their unique needs are addressed.We believe that when we partner with our clients in their portfolio construction on the front end and work with them throughout the process in a cooperative manner, we will become their trusted Wealth Management Partner, and ultimately ensure compatibility between both parties.
Our Philosophy
Client Involvement
We chose to name our firm Cooperative Financial because, in addition to compatibility, we believe that Investment Management works best when the client feels involved in the portfolio decision-making process. This ensures their portfolio is compatible with the client's unique investment tolerance and return objectives.
Set Realistic Goals
Equally important is the construction of compatible investment portfolios that align perfectly with each client’s needs and goals. We believe that working closely with each client to understand their risk tolerance, return objectives, and behavioral traits is key in the development of their custom portfolios.
Protect Wealth Through Diversification
We feel compatibility is the cornerstone of any successful investment management relationship, including the relationship between the individual investments that work together in a custom portfolio to deliver performance objectives. Essentially, the core of asset diversification is compatibility and whether a stock, bond, mutual fund or ETF is “the right fit” for the client.
Protect Wealth Through Risk Management
It is our core responsibility at Cooperative Financial to ensure that we construct a portfolio that is compatible with the input of the client. We work in a collaborative manner with the client to deliver a portfolio that is unique to their needs. This focus allows us to construct a portfolio that balances the return goals of our clients with their risk tolerance.
Portfolio Optimization
When we build custom portfolios for our clients, the asset classes used must be best-in-class and work well together. Assets must perform well individually as well as complement the other assets within an overall portfolio. Each part of the portfolio has a role to play and must work effectively in conjunction with the other investments. When a portfolio is properly optimized, the individual components work together to provide stable returns and reduce overall risk and volatility.
Our Core Values
Compatibility
Compatibility is vital. Both the client and our firm need to be the right fit for each other for the relationship to work. We believe compatibility is one of the most important aspects of any relationship, whether professional or personal. At Cooperative Financial, we believe that the first question both the client and the investment manager must ask as they evaluate a new relationship is: Are we compatible?
Trust
We believe trust is something that is built over time as we consistently deliver on expectations and “do the right thing” in all aspects of our everyday interactions. We will demonstrate the highest level of integrity necessary to build a solid relationship with our clients and ensure that we are viewed not only as a wealth manager but as their trusted advisor.
Personalization
Given every client is unique, we feel each client is best served with a custom portfolio. We believe that when we listen to a client’s needs and wants, we can construct a portfolio that is uniquely their own. We involve clients as much as they would like throughout the portfolio construction process and provide timely custom market updates that allow them to stay engaged, informed, and provide assurance that their portfolios are overseen by steady hands.