Financial Planning

Expertise

Annova's team of Certified Financial Planners (CFP®) have a wealth of experience and are dedicated to collaborating closely with our clients to create tailored financial plans and investment strategies. We aim to help families and corporations navigate and take advantage of the challenges and opportunities of today's financial landscape. We will provide you with personalized reports on the following:

Financial Readiness Analysis
Social Security Optimal Income Planning
Asset Map and Cash Flow Report
Morningstar® Portfolio Research Report

Please take a Financial Readiness Survey to be contacted by advisors:

Financial Readiness Survey

Financial Management

Prime Resources

Annova uses quantitative analysis tools to develop an investment portfolio to meet objectives considering the time frame defined by our clients. We manage the risks by dynamically testing boundary conditions and responding to various market conditions. Annova utilizes proprietary technologies, such as Annova Market Risk Indicators (AMRIs), to gauge market risks and identify performance drivers. Our proprietary strategic and tactical asset allocation tools lead the investment through ever-changing market cycles.

Annova Model Portfolios

Leveraging the strength of diversified expertise
Systematic market risk mitigation with AMRIs
All-weather adaptive investment

Annova Low Debt Growth Index

The Annova Low Debt Growth Index (ALDG) comprises 20 highly liquid US-based large and mid-cap corporate stocks from different business sectors. These stocks are chosen for their robust Environmental, Social, and Corporate Governance (ESG) practices, which are evaluated by independent financial market data and infrastructure organizations. The portfolio seeks to mirror the index and generate capital appreciation by leveraging the sustainable growth of US corporations with low debt-to-equity ratios.

Managed Employer-sponsored Retirement Savings

Annova Advisors directly integrates and manages your 401(k), 403(b), and TSP accounts as part of your economic life. With Annova Advisors, you connect your accounts to enable us to monitor performance and manage alongside your complete portfolios.

Organically diversified with optimum return/risk characters
In harmony with personal risk tolerance and goals at the forefront

Be among thousands of retirement savers nationwide who have already received professional 401(k), 403(b), and TSP management from trusted advisors.

Liquidity Portfolios

The liquidity portfolios are designed to offer regular (monthly and quarterly) distributions of investment returns and the principal through technologies that seek total returns with less volatility than the major equity index funds. The assets in the liquidity portfolios are readily tradable in the public capital markets during regular business hours and, therefore, can be accessible to investors immediately after defined settlement dates. Annova manages liquidity portfolios for corporations and accredited investors.

Structured Growth, Structured Income Portfolios

The Annova Structured Growth and Structured Income Portfolios implement structured notes tied to major US or global stock market indices and selected large-cap stocks. This customized approach enables clients to grow their assets or produce income during a market upswing or downswing while ensuring a predetermined level of safeguard against market volatility within specific time frames.

Institutional Private Fund Portfolios

Annova offers accredited investors and qualified purchasers institutional private funds portfolio management services. Through the partnership with global alternative investment leaders, we build intelligent alternative portfolios, including Growth Equities Funds, Venture Funds, Private Credits Funds, Private Real Estate Funds, and Hedge Funds with quantitative and qualitative due diligence to help clients meet both growth and diversification goals in one place.

Financial Education

Seminars

Knowledge is the foundation of success in finance and investment. We provide educational seminars in the following areas to learners who want to control their financial situations better.

Investment Fundamentals
Family Financial Planning and Management
Family Protection and Insurance
Education Savings
Retirement Planning

Life
Insurance

Safety and Growth

Balanced for both financial safety and opportunities, Universal Life Insurance can provide an efficient vehicle in fulfilling overall family financial needs, from life and asset protection, the growth of liquid assets with tax advantages to the flexibility of both savings and distributions to cover an emergency, retirement income, and long-term care needs. We design and manage Customized fee-only life insurance policies and Private Placement Variable Universal Life Insurance (PPVUL) to meet critical employee retention or individual and family needs with deep knowledge and collective expertise.

Financial and Protection Needs Analysis
Policy Funding Methods
Cash Value Growth Strategies
Living Benefits Distribution Schedule
Integration with the Overall Family Financial Plan
Legacy Planning and Management

Retirement Services

Sustainability

We build comprehensive financial plans for each individual and family's retirement purposes, focusing on generating a lifetime income stream. By directly working with the leading retirement solution and fee-only annuity providers, we customize a formal and relatively predictable income payment plan that meets retirement challenges while considering longevity, safety, growth, and taxation.

Retirement Needs Analysis
A Tax-Deferred Growth Plan
Long-Term Care Solutions
Funding Source and Process
An Optimum Income Schedule
Legacy Planning and Management

Legal
Protection

Dedicated and Experienced

As a trusted advisor to our clients, we offer comprehensive legal plans through the largest law firm network to individuals, families, and business owners to safeguard your peace of mind with 24/7 accessibility. When a legal issue arises, you will have entirely dedicated and experienced lawyers to provide services in every area of law.

Institutional Services

Innovation and Value Generation

Annova is a fintech innovator. We utilize artificial intelligence-powered data processing tools to assist the investment decision-making processes from opportunity discovery to risk mitigation. By leveraging our strengths, investment companies, portfolio managers, and investment advisors will find new ways to enhance performance or mitigate risks under complex and rapidly changing market situations.

“We are fiduciary investment advisors who put your interest first. We care for you and your family. We earn mutual trust to build life-long financial well-being with you.”