Our Services

Our Mission leads to our Commitment to You.

Our Clients...

...receive impeccable service and sound investment counsel through the Salomon & Ludwin Financial Consulting Group of Wachovia Securities’ unique investment-planning process. Together, we consistently assess your portfolio’s progress toward achieving your desired financial goals.

...use the Salomon & Ludwin Financial Consulting Group’s disciplined, strategic approach as we work together to identify your short-term and long-term needs. Then, with your goals in mind, we propose a diversified investment strategy and implement it accordingly.

...enjoy a relationship that puts you first. The Salomon & Ludwin Financial Consulting Group employs an objective and methodical strategy--placing your investment needs at the forefront of all evaluations and recommendations.

...find a mutual understanding with the Salomon & Ludwin Financial Consulting Group. Through our process, we reach a shared understanding of where your investments are today and where your investments may be headed. We help bridge the distance between today and your future, monitoring your financial landscape with frequent and up-to-date Progress Reviews and Financial Check-Ups.

Request a meeting or have us send you our client worksheet.

 

Success Begins with a Sound Investment Philosophy
Our Disciplined Approach Helps Ensure Success

The foundation of your relationship with the Salomon & Ludwin Financial Consulting Group is built upon a precise, disciplined approach to long-term investment planning. It can be difficult for anyone to maintain financial objectivity about his or her own personal affairs. We focus our objectivity, knowledge and experience as we apply our talents to your benefit.

Our disciplined approach offers our clients sound investment planning and effective management. We believe that our approach is unique in that we attempt to manage each relationship based upon four guiding principles:



It is our belief that we need to aggressively address each principle for you to be successful in accomplishing your financial goals.

Step 1--Gain a Clear Definition of Your Goals

Our approach begins with the development of your investment goals and objectives. As part of this step, the Salomon & Ludwin Financial Consulting Group Financial Check-Up enables us to attain a three-tiered initial understanding of your finances: (1) what you have; (2) what you will need; and (3) when you will need it.

Step 2--Employ Broad diversification to Address Long-Term Goals and Short-Term Risk

Once we’ve discussed and reviewed your Financial Check-Up, we will recommend your investment strategy. The Salomon & Ludwin Financial Consulting Group approach is strengthened by our belief in diversification of your investments. Diversification may be reached in a variety of ways and is tailored to meet your financial goals and objectives.
Within your portfolio, the Salomon & Ludwin Financial Consulting Group continually strives to identify and provide you with an appropriate combination of investments.
The ultimate allocation between stocks versus bonds is determined by your individual financial goals, net worth and time horizon. This asset allocation is constantly monitored and adjusted as required.1

Step 3--Provide Effective Investment Management

When investing for our clients, we believe that selecting the appropriate investments is the result of reaching informed decisions. The foundation of our disciplined and objective investment management selection process is based upon three principles:

1. Broad client access to professional investment managers from across the nation.
2. Complete objectivity in the research and selection of investment opportunities. Each investment recommendation is made solely on the basis of its appropriateness for your custom investment plan.
3. Ongoing research and due diligence to confirm that each investment manager chosen is providing focused and effective management.

Step 4--Continually Assess Progress Toward Your Goals

The Salomon & Ludwin Financial Consulting Group’s continual assessment of your portfolio is communicated to you regularly via your Progress Review report. Your Progress Review offers the best opportunity to fully oversee current investments and measure how they are performing compared to your financial goals and objectives.
Your Progress Review report provides us with the ability to monitor not only your progress but also your diversification and asset allocation on every level. Most importantly, the Progress Review report uniquely connects your investments to your investment plan.
Your Progress Review may be mailed to you, discussed via conference call, or reviewed in person at our offices. Each method includes commentary from your Salomon & Ludwin Financial Consulting Group Financial Advisors. We will proactively contact you to schedule your Progress Review communications.

We Believe

 

  • Findings in the Financial Check-Up are an integral part of identifying your most appropriate investment choices.
     
  • Starting with the initial investment strategy meeting, we work closely and continuously with you and your legal and tax advisors, as appropriate and if requested.
     
  • Diversification is essential. It is important to implement investment strategies that appropriately balance your long-term goals and short-term risk.
     
  • Selected Managers must be seasoned and have long-term track records and investment philosophies that focus on appropriate and fundamentally sound investments.3
     
  • When investing to meet your long-term goals, we consider the risk of a premature death and strategies to protect spouses/heirs from that risk.
     
  • Success is measured by the achievement of goals and objectives. With our unique process and tools, we will continuously monitor your portfolio to help ensure that you stay on the pathway to success.


1 Asset allocation/diversification cannot eliminate the risk of fluctuating prices and uncertain returns.
2 Wachovia Securities does not render legal, accounting, or tax advice. Please consult your tax or legal advisors before taking any action that may have tax consequences. The Salomon & Ludwin Financial Consulting Group is available to speak with these professionals at your request.
3 Professional money management may not be suitable for all investors.