We provide a highly personalized investment solution focused on helping you achieve the life you want. The service is intended for individuals and families who are US taxpayers, whether resident at home or abroad. https://www.lloydtevis.com/web/resources.htm Why you care Good money management is one of the essentials of modern life. Financial security, solid prosperity and dreams realized are the fruits of good management. By contrast, the cost of poor or inadequate management is paid in dreams lost and diminished financial security. Equally important is that personalized advice is a must. If the advice was not designed to get you where you want to go, for sure it will take you somewhere but probably not where you wanted to be.

Lloyd Tevis Investment HISTORY Three core values have inspired the creation of Lloyd Tevis Investments, LLC: https://www.lloydtevis.com/web/about.htm To carry the responsibility for our client's financial lives To provide our clients with the best investment thinking. To empower our clients to take charge of their financial destinies.

CONCIERGE SERVICE is an Additional service to help with implementing the Precision Investing approach in more complex situations. https://www.lloydtevis.com/web/concierge-service.htm WHO IT IS INTENDED FOR The service is intended for investors whose needs go beyond the capabilities of the online service, either because of the greater complexity of their circumstances or because of the need for greater assistance with plan implementation. As this service is less economical than the online service, we suggest that clients begin with the online service and migrate to the Concierge Service as the need arises. Of course, it is possible to begin directly with the in-person service.

The online consultation is our core investment service. It is designed to provide top quality investment advice in an economical form facilitated by automated online servicing. https://www.lloydtevis.com/web/online-consultation.htm WHO IT IS INTENDED FOR It is intended for investors who want high quality advice guiding their investment activities. It is intended for U.S. tax payers, whether resident in the U.S. or abroad. HOW IT WORKS You fill in a questionnaire describing your economic circumstances and objectives. We analyze it and provide our view as to what is realistically achievable. Typically, this will lead you to fine tune your objectives.

FLEXIBILITY Investments are seen as dynamic evolving processes. Our lives are never exactly as we plan or expect them to be. https://www.lloydtevis.com/web/flexibility.htm Our plans never include the curve balls that happen: a car accident, lingering illness, industry-wide layoffs court battles, family troubles and so forth. Misfortunes and mischances go hand in hand in everyone's lives. At the same time, new opportunity can open up and new interest develop over time. Our vision for the future is forever changing depending on circumstances. At Lloyd Tevis, we know that flexibility is a valuable necessity of an investment program. We avoid investment arrangements which may be expensive to exit out of due to high back end fees or surrender charges. Lloyd Tevis favors arrangements that preserve liquidity and flexibility.

COMPATIBILITY Lloyd Tevis believes in an open partnership with our clients. We know you, the client, may already have established business relationships with banks, brokers and insurance agents. https://www.lloydtevis.com/web/compatability.htm At Lloyd Tevis, we do not ask you to change these relationships. Instead we advise you on the totality of your funds, regardless of where they are held. We do not ask you to transfer funds or open brokerage accounts. Our philosophy is to work with you, for the improvement of your life, in the way it is.

NTEGRITY Lloyd Tevis Investments, LLC consistently adheres to the knowledge, skills and values of strong business practices designed to safeguard the advisory relationship in a professional and ethical manner. https://www.lloydtevis.com/web/integrity.htm LEGAL STANDARDS Lloyd Tevis operates on a fiduciary basis with regard to its clientele; this is a specific legal requirement on the company's part to give its clients its full faith & loyalty. The advice given is based on what is beneficial to our clients, not what is advantageous to the company or its employees.

SCIENTIFIC ADVICE At a technical level Lloyd Tevis's investment process is a synthesis of work conducted over more than a century by financial researchers. https://www.lloydtevis.com/web/scientific.htm We acknowledge here some of the foundational work in this field as well as some significant developments out of those foundations which have either informed our own work or moved parallel to it.

COMPREHENSIVE ADVICE At Lloyd Tevis, we look at your entire picture. We review your total investments and your non-investment assets, i.e. social security, home equity, and earning potential. https://www.lloydtevis.com/web/comprehensive.htm We also take into consideration your liabilities: formal debts like mortgages, credit card, alimony and child support, and your less formal debts, such as deferred taxes, moral obligations and necessary spending. Finally, we even look at the adequacy of your various insurance coverages to protect you and your finances from misfortunes. Many investment advisers take a narrow view, advising on just one account or one type of investment (e.g. 401k funds). Lloyd Tevis, by contrast, looks at the entirety of the client's financial picture.

Personalized advice is critical to investment success. At Lloyd Tevis, we design distinctive portfolios for the specific purposes of each client. https://www.lloydtevis.com/web/personalized.htm Consider an example of two clients of similar means and an average appetite for investment risk but with distinctive goals: Client 1 just had a grandchild born, and would like to set aside some money for him. Client 2 just found out his wife has Alzheimer's disease and would like to set aside money for her care. Despite being similar individuals, Lloyd Tevis would offer these two clients very different advice: Client 1 will need a growth-oriented strategy over a 20 to 25 year horizon. Client 2 by contrast will need a capital preservation and income production strategy over a 5 to 10-year horizon.