Genesis Financial Advisors
2795 East Cottonwood Parkway
Salt Lake City, UT 84121
U.S. Headquarters:
6220 East Thomas Road
Suite 301
Scottsdale, AZ 85251
The Rules Have Changed:
Many people today are concerned with their investment portfolio’s performance, and are worried that they will not have enough money for their goals. In fact, most investors have experienced little or no growth over the last 10 years. After adjusting for taxes and inflation, they may have less money today than when they started investing.
Many people are looking for an alternative to the investment road they have been travelling on.
We believe that many of the rules have changed in the world and the economy, and have been changing rapidly and dramatically for more than 15 years. These changes are on a global scale, and have made it more difficult to be successful using traditional investment tools.
These changes will continue for the next several decades, as our technology grows, our interconnectivity and interdependence increases, and our world continues to get smaller, hotter, and more crowded.
However, there are fundamental behaviors that have survived through the entire course of human history, and commerce and business still behave in much the same way as it did when mankind began to exchange goods and service. Therefore, we believe that a fundamental shift in the way one views investing needs to occur, and that if you approach investing as a business, focus on cash flow, and select assets that grow over time as a natural course of inflation and supply and demand, you will have a better chance at obtaining all of your financial goals.
Our Investment Philosophy Is Centered On Four Principals:
When investing your money, you should behave like a business owner- Positive cash flow is critical
- Capital assets have a natural tendency to increase in value over time
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True diversification can reduce risk and increase returns
1) Behave Like a Business Owner
As any business owner will tell you, income and profits derived from the efforts of others is their main motivation. To create a product or service that will provide them with income today, and be able to sell that business for a profit in the future, is what drives their day to day business choices. In other words, produce passive income today and plan for profits for tomorrow.
Your household is no different. Most people spend much of their time trying to increase their income, reduce costs, and put the difference to work for them so that one day their money will provide them with passive income. They trade most of their waking hours working for money today, so that tomorrow their investment money will work for them.
When investing while thinking and acting like a business owner, making your money work for you today and in the future is your primary focus. Positive cash flow becomes a natural way of being.
2) Positive Cash Flow Is Critical
A business will suffer and eventually fail if it does not have enough cash flow to cover expenses. In fact, the only way a business can survive is to have enough income left over every month to allow investment in new products or services, open new locations, higher exceptional talent, and expand sales through marketing.
Your investment portfolio should have many income components to it that allow redeployment of this cash flow to assets that provide potential growth, provide stability when growth is slow, and provide a strong cash position to take advantage of investment opportunities when they can be purchased at a discount. And as you continue to build this passive income component, in time your income will exceed your expenses, and you will have obtained financial freedom.
3) Capital Assets To Increase In Value Over Time
We believe that growth is a natural side effect of inflation and supply and demand. In 1973 you could purchase a home for $32,500. A gallon of gas was 40 cents. A dozen eggs cost 45 cents, and you could buy a new car for under $3,000. The Dow Jones Industrial Average was 850. So in 35 years, most things have increased in value (or cost) by 5 to 10 times. This has been a normal course of business since man first started to barter and trade.
Since this appears to be the natural order of things, focusing on true diversification and cash flow, along with careful selection of capital assets, will provide growth naturally. We believe that focusing your portfolio on growth alone will most times end up disappointing you and could become an obstacle in achieving your investment goals.
4) True Diversification Can Reduce Risk and Increase Returns
Many economists have tried to define investment behavior, and there have been many studies, even Pulitzer Prize winning studies, that illustrate why diversification and asset allocation is important. Modern Portfolio Theory is widely practiced by most investment firms. While we generally agree with this theory, we feel it misses on few key points. Asset Allocation should include not only securities such as stocks and bonds, cash instruments, such as money markets, savings accounts and CD’s, but also
- Commodities, such as gold and oil (or companies that produce, service, or sell them)
- Direct deeded real estate, such as rental properties, land and commercial buildings
- Futures, such as options and currency trading
Additionally, by viewing these investment choices through the eyes of a business owner, your choices will be made based on cash flow, taxation, opportunity, and investment costs.
Contact us for an example of a portfolio using modern portfolio theory, and one using our investment philosophy, based on a moderate risk/reward tolerance.
Our Experienced Team:
Roger P. Simard - The founding principal of Genesis Financial and Real Estate Services, LLC and Genesis Financial Advisors, LLC. He heads the firm's corporate and personal financial planning practice and oversees all operations. Mr. Simard concentrates his work in the fields of financial planning, real estate investing, tax planning, and portfolio management. Mr. Simard is a Certified Financial Planner™ and has over 18 years of experience helping individuals and businesses achieve financial success.
Mr. Simard was a speaker for The Prudential Spirit of Community Awards, a nationwide youth recognition program honoring secondary school students for outstanding service. He is a frequent speaker and radio guest on business and taxation issues and successful investment strategies and has been quoted in the Personal Real Estate Investor Magazine.
Tamilyn M. Simard - President of Genesis Financial and Real Estate Services, LLC and CFO of Genesis Insurance Advisors, LLC. She heads the firm's corporate practice and oversees all operations. Her history of traditional financial planning, insurance, and investment services gives her Commercial Realtor status a unique perspective on commercial real estate investing and real estate portfolio management.
Mrs. Simard has over 19 years of experience helping individuals and businesses achieve financial success. Her affiliations include the Scottsdale Area Association of Realtors and the National Association of Realtors. Mrs. Simard is serving on the local board of Taste of the Nation, a national fund raiser for Share Our Strength, which provides funding for local food banks and food security services.
Jeremy J. Schoenfelder - Our Executive Director/Alternative Strategies. He is also Founder and President of Sienna Partners, LLC, a consulting firm that has served, among other industries, various real estate businesses including finance, contracting and sales organizations. He served as portfolio manager for two real estate investment funds where he was involved in the creation of investment strategies, due diligence process and acquisition process. Known for his ability to analyze projects both qualitatively and quantitatively, he seeks to mitigate risks while providing a significant probability for success. He has also served in business development roles allowing him to gain a significant number of contacts within the real estate and investment fields.
Jeremy also serves on the Board of Directors of MITC, a not for profit organization whose mission is to continuously integrate new concepts and innovations into all aspects of education, community, government, and business. The basic program objective is to analyze global innovations that will become the basis of the 21st Century economy that emerge from the combination of successful commercialized innovations operating and interacting on a global basis. Jeremy recently accepted an advisory board position with Greater China Corporation, a US public company focused on seven industry sectors including: Financial Services, Technology & Media, Healthcare, Consumer, Real Estate, Education, and Natural Resources-Manufacturing-Industry. He holds a BS in Mathematics from Northern Arizona University.
Mitchell A. Sequeira, Sr. - Serving as the Genesis Financial Advisors, LLC VP of Compliance, Mitch Sequeira is the chief compliance officer and is responsible for all compliance functions. Mr. Sequeira has 14 years experience as a government regulator in the areas of tax, bank and securities in the states of CA, NV and AZ. In addition to being a Tax Advisor for the CA Board of Equalization, he served as a Consultant to the CA State Senator's Office on tax matters.
Mitchell also served as a Financial Institutions Examiner with the AZ Corporation Commission, Securities Division - responsible for enforcing State Securities Laws (for Brokers, Investment Advisors, and Security Fraud). He was also a successful Branch Manager at US Bank - one of the largest national banks. Mr. Sequeira earned a Bachelor of Arts degree in Management Science, with minors in Mathematics & Science from the University of California, San Diego. Mr. Sequeira previously held a Series 7 Securities License, and now maintains licenses in: Real Estate, Life / Health and Property/Casualty Insurance; and is a member of the Association of Certified Fraud Examiners.
Daryl Edson - With over 20 years of real estate experience combined with a lending background, Daryl Edson as Designated Broker brings a wealth of expertice to all aspects of your property aqusition. His affiliations include the Scottsdale Area Association of Realtors® and the National Association of Realtors® and is an excellent negotiator. You will not find a more loyal professional keeping your best interests first and foremost whether you are buying your first starter home, a multimillion dollar estate, or looking for the right investment property. He is a graduate of ASU in construction engineering and associated with Genesis Financial Advisors LLC. (a Registered Investment Advisory firm).
Alex Starcevic - Serving as Director of Genesis Tax Advisors, Alex Starcevic is responsible for assisting clients with tax planning, preparation of corporate and individual tax returns, and business accounting and bookkeeping services. As an IRS Enrolled Agent with 10 years of tax preparation experience, Alex is able to help clients address the most difficult tax issues. Mr. Starcevic’s background is in small business bookkeeping, accounting, and operations.
Alex's tax professional experience includes HR Block, Tax Professionals, LLC, and as a staff accountant for American Express. He holds an Arizona Real Estate License, an Arizona Insurance License in Life, Health, Property and Casualty and a Series 6 Securities License. Mr. Starcevic has earned a Bachelor of Science degree in finance from Arizona State University and a minor in accounting from The University of Phoenix.
Please be aware that Genesis Financial Advisors has a portfolio minimum of $100,000 to accept inquiries through this directory.
