WHERE LIFE PLANNING & FINANCIAL PLANNING COME TOGETHER
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
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WHO IS JASON KIRSCH?

I’m Jason Kirsch, CERTIFIED FINANCIAL PLANNER™ and founder of Grow.  I’m on a mission to empower my generation to take control over their future.  I launched GROW to educate my generation on today's economic realities and provide them with actionable solutions to improve their life. I’ve been featured in top financial publications such as Investor’s Business Daily, Santander, and Financial Advisor Magazine.  Recently, I published an investment book called The Millennial Advantage: How Millennials Can (And Must) Be the Next Great Generation of Investors. I live in Santa Monica, California with my wife and two dogs.

 
 
 

I SEE YOU'RE BASED IN CALIFORNIA.  CAN YOU WORK WITH CLIENTS OUT OF STATE? WHAT ABOUT OUT OF COUNTRY?

Sure!  In fact, we can work with anyone who is a U.S. Citizen, even if they live abroad.  We leverage the latest technology to ensure clear communication and to make everything seamless.  As long as you have access to a computer or phone, we can work together.

 
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WHY AN ONGOING RELATIONSHIP?

Because your future is uncertain and impossible to project.  So, instead of making assumptions, we remain agile and dynamic.  Think of us as your financial and life coach. As your life changes, your goals will evolve and we'll be there every step of the way, making changes as we see fit.    We also don't want to overwhelm you with seemingly exhaustive list of action items.  Rather, we focus on the most important issues first. We assess your most urgent need, formulate a plan to address it and, in time, move on to subsequent areas. Eventually, each aspect of your financial life will be carefully constructed.  As your coach, I am here to help whenever necessary.

 
 
 

WHY SHOULD I INVEST IN MYSELF?

Because Millennials, more than any other generation must take control of their future, early and often. Our generation faces a new type of economic storm.  In addition to the lingering effects of the Great Recession and unprecedented central bank policy, we have inherited a trend of growing inequality that was worsened by that crisis, but predates it, and a new normal marked by tepid growth in the economy as a whole, and, in the market, sporadic returns and high uncertainty.

In the face of all this adversity, the challenge for Millennials is clear: we have to learn how to earn smarter, save smarter, and invest smarter. While our generation is up for the challenge, the financial services industry, despite a set of much-hyped products supposedly designed to appeal to Millennials, isn’t stepping up to the plate in the way it could and should.

That's why we take a different approach.  It's our belief that the best investment you can make is the one in yourself and it's our mission to help you grow: financially, professionally and personally.

 

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HOW CAN GROW HELP ME BUILD HUMAN CAPITAL?

By tapping into some of the greatest minds in history, we’ve curated the ultimate personal growth experience.  To truly achieve your potential, you need to change your beliefs and thought patterns, build a growth environment, a strong supporting system, become more emotionally aware and build better habits.  All of this takes devoted action! Through our GROW 360 program, you’ll learn proven techniques to make taking action second nature so that you can achieve the results you desire. 

 GROW 360 is a one year program.  Each week, you'll receive access to an educational video on the topics of personal development, professional development, entrepreneurship, relationships, time management and organization and motivation, focus and clarity.  At the end of the program, we'll meet to put together a plan to continue growth.

We begin by helping you identify and define your mission, then start training you to program your brain for success.  Eventually, you'll create an optimal growth environment and a supporting system,  We'll also teach you how to remain motivated and focused.  We are so confident you'll achieve results that you can cancel at anytime within 30-days for a full refund, no hassle.  Simply shoot us a text message and you'll receive a refund in 3-5 business days.

 
 
 

WHAT YOUR INVESTMENT STRATEGY?

We aren't a pooled investment fund (hedge fund, mutual fund etc.).  Each individual client will be invested in a strategy that's tailored for their circumstances.  However, all of our investment strategies are developed in-house, through leveraging the most reputable unbiased research in the business. We pride ourselves on employing an independent thought process, not over-diversifying or copying index fund managers.

We don't label ourselves as either value or growth investors because different times require different strategies.  We strive to outperform on a risk-adjusted basis by stringently identifying and managing risk.  High risk primarily comes from high prices so, in any market, our analysis begins with our proprietary value metrics.

Cumulatively, and over time, costs will significantly undermine your long-term returns and leave you with a much smaller nest egg in the end.   And often, the biggest bite out your investment returns  is going to come courtesy of the taxman. So we ensure an efficient tax portfolio through investing in the right types of securities and placing them in the right types of accounts.

We keep underlying investment costs to a minimum so we don't invest in expensive mutual funds or private offerings.  Our clients portfolios are primarily made up of individual securities and low-cost ETFs.

Our approach is dynamic.  Your needs will change over time so you can ensure our investment approach moves in sync with your evolving objectives. Regardless of what stage of life you’re in, your investment strategy will appropriately address your needs at the level your circumstances require. Our collaborative approach will keep you confident even in the most volatile markets.

 

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WHAT IS A CERTIFIED FINANCIAL PLANNER™?

There are a lot of people that call themselves financial planners but only the CERTIFIED FINANCIAL PLANNER™ certification reflects the highest level of competency, ethics and professionalism. CFP® practitioners are held to a higher “fiduciary” standard than other financial advisors (we must act in our client’s best interests) and must abide by strict rules and compliance standards.  We have also have met and continue to maintain a set of very high standards set by the CFP board. These include industry experience, education, ethics and passing a rigorous comprehensive CFP® certification exam.

LEARN MORE ABOUT THE CFP® MARK

 
 
 

CAN YOU TEACH MY EMPLOYEES ABOUT PERSONAL FINANCE AND SELF-DEVELOPMENT?

Because the success of your business depends on your employees.  We believe that each employee has the power to seriously impact an organization.  Rather than being financially invested, employees perform best when they are emotionally invested.  When they want to reciprocate the value they’re obtaining from the employer.

While Millennials face a lot of challenges, they have a healthy set of habits and instincts when it comes to money and personal growth. They exhibit better financial discipline than they are given credit for and they value meaning and purpose in addition to material wellbeing.  At Grow, we believe there is incredible untapped potential to combine the two. Take the bad economic hand Millennials have been dealt, add in their healthy habits and instincts, and you have the conditions for a real breakthrough: to empower your young employees to actively respond to the work environment.  But to do this, your employees must know you are invested in their life. And what better way to show this than encourage them to grow.  Currently, we offer the following presentations:

·       Investment Insecurities: Financial Management For Millennials

·       The Millennial Advantage: Inspiring Personal and Professional Growth

·       Supercharged Skills: Productivity enhancements for the tech-savy employee

·       Trip Advisor: Retirement Planning for Millennials

·       Designing a Life: Finding purpose and meaning in your everyday life.

 
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CAN YOU HELP MY BUSINESS IMPLEMENT AND/OR MANAGE A RETIREMENT PLAN?

Yes!  Throughout my career, I’ve managed over $300 million in employer-sponsored retirement plans.  It’s now more important than ever to provide for your employees.  The promise of a comfortable retirement used to rest on a three-legged stool: Social Security and Medicare, the pension plan provided by your employer, and your own personal savings. But the pension plans of an earlier era are vanishing. The so-called defined benefit plans of old have, for the last several decades, been phased out and replaced by defined contribution plans in which the financial burden and the decision-making is largely passed on to the employee.

In the new realities of the 21st century, that stool has grown a bit wobbly. Fortifying it, and helping your employees (and yourself) stabilize their future, is your responsibility—and helping you do so is the ultimate objective of our service.

 

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