Jayson Owens

Personal Finance, Retirement, Investing
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“As a Financial Planner for Bright Road Wealth Management, LLC, Jayson Owens is dedicated to providing comprehensive, ongoing financial planning and investment management services for his clients.”
Firm:

Bright Road Wealth Management, LLC

Job Title:

Financial Planner

Biography:

How I got into this mess:

I'll admit it took me longer to find my true calling than most. Resistance to wearing a suit, lack of a win-at-all costs attitude (commitment to my own integrity), and an industry rife with conflicts of interest all conspired to keep me from becoming a financial planner sooner.

But by the time I found my home as a fee-only financial planner, I had unwittingly built a strong skill set that became the perfect foundation on which to build a career. Creativity honed in architecture and the arts combined with 15 years of small business operational management and strategic planning, provide much more practical experience than many advisors with more direct experience can bring to bear. Years of coaching individuals in productivity and efficiency combined with study of behavioral economics gave me an intuitive understanding of motivation. Finally, years of outdoor adventure guiding and real estate investment management brought me enough risk assessment and risk management experience to fill several lifetimes.

What I provide for my clients:

I am committed to full-service, comprehensive financial planning and investment management. I work with clients, both in person and virtually, to optimize their unique financial situation. I like to help my clients save money and increase the return/ risk ratio of their investments. My goal is to maximize the probability of you achieving your own personal and financial goals. This is a long-game approach. As humans, we are prone to growth and as we grow our goals can change, so I use what I know about you to preserve your future choices.

 

When I am not working on improving your financial life:

I hang out with my wife and two young kids in the outdoors - biking, camping, skiing, or rafting. I teach Wilderness First Aid courses for NOLS. I volunteer as Treasurer of the Tacoma Waldorf School Board of Trustees.

Education:

Bachelor of Environmental Design, Texas A&M University

Fee Structure:

Fee-Only Based on Assets Under Management
Hourly

CRD Number:

6618470

Disclaimer:

Bright Road Wealth Management, LLC is a registered investment adviser in the States of Alaska, Texas, and Washington. The adviser may not transact business in states where it is not appropriately registered, excluded, or exempted from registration. Individualized responses to persons that involve either the effecting of transaction in securities, or the rendering of personalized investment advice for compensation, will not be made without registration or exemption.

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    Asset Allocation, Bonds / Fixed Income, Choosing an Advisor
Should I try a do-it-yourself approach when beginning to invest 50% in stocks and 50% in bond mutual funds, or hire a financial advisor to select a basket of stock options and bond mutual funds? 
83% of people found this answer helpful

You should not hire a financial advisor who is willing to select individual stocks for you, nor should you do that yourself. The historical evidence shows that the vast majority of people who engage in stock-picking underperform the market dramatically, even advisors. There are plenty of advisors still doing this thinking they are somehow able to predict the future. They can't, no one can.

Instead you should be investing in the entire market, which you can only really do with mutual funds.

To the question of allocation, I'd ask how you decided that 50/50 is the right allocation for you. This is where an advisor can really help. Asset allocation is complex and it's easy to mess up - naive diversification is a huge problem that I see when investors pick investments without guidance. The goal of asset allocation is to dampen the volatility of your portfolio while still achieving a reasonable return, but if you end up without proper diversification, your allocation can't do it's job.

To that end, if you want a do it yourself approach, an easy way to assure that you are actually diversified is to pick a low expense ratio target date fund. A target date fund for 2020 typically has a 55/45 allocation right now. This allocation will change over time in a risk appropriate way.

I'd recommend talking to a few fee-only (not fee-based) advisors to get a better understanding of your situation and what the best asset allocation would be for you specifically.

March 2018
    Investing, Stocks, Starting Out
What are some general tips for stocks and investing?
25% of people found this answer helpful
September 2017
    Retirement Savings, Investing, Lifestage Based Planning
How should I invest and save right out of college?
13% of people found this answer helpful
April 2017
    Career / Compensation, 401(k)
How wary should I be of 401(k) fees through my company's plan?
0% of people found this answer helpful
June 2017
    Career / Compensation
Which books should I read to understand financial advising?
0% of people found this answer helpful
May 2017