Financial Growth
Optimize Your Financial Planning
Towards a More Fulfilling Retirement

Mindful wealth advisory through education and meaningful relationships.

Investment Services

Sprinkle Financial Consultants was founded with the goal of assisting our clients in every aspect of their financial lives. Another factor aiding our company's growth has been providing personalized service and putting our most valuable asset, our clients, first. We strive to create financial stability and financial independence for each of our clients.

Management Style

What makes Sprinkle Financial Consultantst different is our management style. While other investment advisors and brokers are selling and using mutual funds for your investments, Brent builds your portfolio using individual equities. This approach has led to the development of our client’s Individualized Concentrated Value Portfolio. A lot of time is spent reviewing and analyzing the financial statements of the companies owned in your portfolio as well as Brent’s personal portfolio, which is invested alongside his clients. Brent has an excellent understanding of the business and the financial market. Sprinkle Financial Consultants is investing in a diverse portfolio of different businesses, not gambling on the stock market or stock trading.

Weekly review of important items on your investments includes:

• Valuation ratios: price/earnings, price/book, price/sales, and price/cash flow

• Growth rates on sales and earnings per share

• Financial strength: current ratio and total debt to equity

• Management effectiveness: return on capital and return on equity

• Management efficiency: receivable turnover & inventory turnover

• Development of target buy and sell prices

Twice a year Sprinkle Financial Consultants holds a client brunch for the clients in and around the San Diego area. Clients not able to attend are encouraged to watch the event on our website. This is a great meeting used to discuss the current economic environment and discuss some of the companies in the portfolio, which in turn gives his clients an understanding of the real world of investing and direction they are headed.

If you’re tired of investing the way you have in the past, maybe it’s time you took a different approach to your investments using fundamental analysis. This style, which has been used by investment greats like Benjamin Graham, Warren Buffet, Peter Lynch and David Dreman has been a very influential management style.

Individualized Concentrated Value Portfolio

First, individualized means that all my clients’ accounts are kept separate with their investments. You may think that your broker does the same thing by keeping your portfolio separate, but what I am talking about is the actual investments.

When you hold investments in mutual funds or ETFs with your broker, your money is combined with other investors and your performance can be hurt by the other investors adding or deleting from their accounts. When my firm invests in, say, ABC company, each client actually holds the shares of ABC company.

For example, when we buy $10 million of ABC company, each one of my clients that meet certain investment criteria will receive a certain number of shares based on a 6 percent value of their account.

In other words, my clients actually own small pieces of the companies that we buy as opposed to shares in a mutual fund. My team and I have devised a comprehensive system so that each client’s account is invested very close to my own personal account.

I also make a concentrated portfolio for my clients. The portfolio is considered concentrated because I will not invest in more than 15 to 18 different companies.

This may seem risky to the average investor, but there is actually a financial formula that states 15 companies give the investor the best return with the least amount of risk. If you would like this formula, please contact my firm and we will send it to you.

It is also important to make sure that these 15 companies are invested in different industries, such as energy, technology, pharmaceutical and banking, just to name a few. And my firm watches the concentration of any one company to make sure it does not become excessive or over-concentrated.

The last part of our strategy is the value of what we buy. If you have read my columns and newsletters or listened to me on the radio or TV, you would know some of the fundamentals we look at to make sure we are getting value for our investments.

Very briefly, we look at the valuation ratios, such as what we pay for the earnings, sales, book value and cash flow of the company. If the company pays a dividend, you want to understand the earnings the company uses to pay that dividend and how much is left over to continue to run and grow the business.

Performance

Investors will often make hiring decisions based on past performance. This is a very dangerous practice which can hinder future results. We all know the age-old statement, “Past Performance is no guarantee of future results.” If you or your advisor generated good returns over the past year or even 5 years, but you do not have a clear understanding of the reason, your future returns could be in jeopardy. While past performance does carry some merit, it is far more important to understand the process and the reason behind the investment’s performance.

Sprinkle Financial Consultants likes seeing their clients' portfolios grow and is very proud of what they have been able to accomplish for their clients, although all securities have risks of loss. Wilsey Asset Management bases performance over a seven-year business cycle, this allows investors to get a real feeling for the true measurement of success. We are very realistic with our clients and make sure they understand the portfolio will experience volatility and out of that seven-year period they will experience a couple of losing years. It is during those losing years that true investors can find the best investments to generate strong returns over the long term.

Our firm does not get wrapped up in the day-to-day volatility of the stock market. We expect to see those losing days, weeks, months, and even years, but our goal is to focus on building your portfolio for the long term and to educate you through those emotional and volatile periods.

Fees

Investors will often make hiring decisions based on the fees charged. This narrow view can have a negative impact on your long-term returns. While it may appear you are paying less, if the net return after fees and charges is not justified you may actually be paying more in terms of the opportunity cost. As an example, if you compare an advisor that charged 1.0% and had a net return of 5.0% to an advisor that charged 1.5% and had a net return of 8.0%, you would have had a higher economic cost -----by choosing the advisor with the lower fee. Simply put, would you rather earn 5% or 8%?

The financial industry is filled with hidden fees and commissions many investors do not see or realize they are paying. While investors do not see them, the fees are there and they can dampen the long-term performance of their portfolio. Whether it be advisors charging a fee to place investors into a mutual fund charging an additional fee, or even worse, advisors charging a fee to manage an annuity they sold to the client for a high commission (Can be upwards of 10%), the fees can add up and hinder their performance.

At Sprinkle Financial Consultants, we do not sell products and we have a transparent fee structure that is very simple for our clients to understand. The fee is based on the net invested assets. This puts us on the same side of the table as our clients, when our clients make more money, Sprinkle Financial Consultants makes more money.

Financial Planning

Lasting wealth is not about income or bank accounts, it’s about making the right decisions. One poor decision can be harmful; several can be disastrous.

“Am I Saving Enough Each Year?”

“Do I Have the Proper Investments In My Retirement or 401(k) Plan and Is It Enough to Allow Me to Retire When I Intend to?”

Financial Planning Style

Throughout the industry, financial planning has evolved in the past few decades. The purpose of true financial planning is to facilitate the ongoing process of making sensible decisions about money to achieve life goals.

This goes beyond the scope of investing and includes education planning, risk management, tax planning, retirement planning, and estate planning. Unfortunately, the mask of financial planning has been used to sell commission-based products or gather assets that may or may not be in the best interest of the client. Often this goes unnoticed and leaves the client in a less efficient or poor financial state.

At Sprinkle Financial Consultants our goal is to offer a financial planning style the way it was originally intended to be, unbiased and as client-benefiting as possible.

We offer our financial planning services to current and new clients. In an effort to remain unbiased, our financial planning service is separate from the asset management service. In other words, financial plans can be constructed and maintained regardless of whether the underlying accounts are invested with Sprinkle Financial Consultants

“Do I Have the Proper Amount of Insurance So My Family Will Be Taken Care of If I Die, Become Disabled or Am Sued?”

“Is There Anything Else I Can Do to Reduce My Income Taxes That I’m Not Doing Now?”

We feel it is important to make the distinction between the two services because the reason we offer financial planning is not to sell products or gain new assets for management. The purpose of our financial planning service is to offer planning that clients can trust to be objective, efficient, and transparent.

“How Much Am I Investing in My Own Human Capital or That of My Children and Grandchildren So They Can Earn the Most During Their Working Years?”

“Where Do I Want to Be One Year From Now Financially?”

Why

The reason someone decides to engage in financial planning is because of “time”. Everyone has a limited amount of time and once it is gone, it cannot be recovered. Time in a day, time with family, time until we pass away, we are all bound by this single constraint.

For most people, it is financially impossible to spend 100% of their time doing exactly what they want. Sometimes in life we are forced into less appealing activities in order to engage in more pleasant ones. For instance, most people must take time away from family, friends, and hobbies to work so they can afford to spend their remaining time as they please.

Another example is forgoing traveling year-round because only a one week trip every year is financially feasible. Financial planning exposes opportunities and offers efficient recommendations which improve personal financial situations. This allows us to spend less time on unpleasant activities and more time on the important things in life both now and in the future.

The Sprinkle Financial Consultants

1. Decrease Taxes and Increase Retirement Savings

By working with our third-party administrators, we can create a retirement plan which maximizes the amount key employees can save for retirement. Not all companies are alike and utilizing a plan specific to your company will enable you to retain top talent while minimizing your tax bill.

2. Improve Employee Participation

Many people are unsure about 401(K) benefits and how investing properly is an important aspect of growing their net worth. At Sprinkle Financial Consultants, educating our clients on 401(K) benefits, investing and what is happening in the economy is very important. We do this by providing daily economic posts, weekly newsletters, regular media appearances, and semi-annual meetings with the participants to discuss the current investments and the economy. We have found that educated clients are less likely to panic during downturns and more likely to make smart investment decisions. This holds true to our motto, “No Emotions, Just Results.”

3. We Alleviate your Liability for the Investments in the Plan

Employees have increasingly sued employers due to poor performance in their 401(K). As the plan sponsor you are required to select and monitor the investments offered in the 401(K) lineup. Even if you pair with an ERISA 3(21) Investment Advisor, you are still held liable for the investment’s performance. Pairing with a 3(38) Investment Manager such as Wilsey Asset Management alleviates your investment liability burden.

Sprinkle Financial Consultants transformed my approach to wealth management with their personalized guidance and support.

John Doe

Their mindfulness approach to financial advisory has truly changed my family's financial future for the better.

Jane Smith

★★★★★

★★★★★