ASSET / WEALTH
MANAGMENT
Based on your needs, goals and aspirations, we develop an investment/wealth strategy that will effectively move through life’s transitions with you.
Your needs will change over time which requires an investment approach that 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 asset management process focuses on fundamental research, ongoing analysis, and your goals.
ASSET MANAGEMENT
OUR FOCUS
MANAGING
YOUR RISK
The first thing to understand is how much risk is required to meet your goals. This starts with understanding your expense needs, both long and short-term. Protecting your short term needs while maintaining the growth needed for longer time horizons is critical. It’s important for you to know that, regardless of whether the market is up 20% or down 20%, your income is protected.
PORTFOLIO DESIGN & DIVERSIFICATION
We create model portfolios to address our clients’ investment goals. At one end of the spectrum our portfolios illustrate more volatility, striving for growth. At the other end, we embrace a bucket portfolio approach that strives to address the generation of income, a need for less volatility, and the preservation of capital.
We use a combination of low cost, passive index funds and ETF’s, as well as active managers in our quest for the desired diversification benefits. We follow a deliberate process to select and monitor these managers.
* An Investment in Exchange Traded Funds (ETF), structured as a mutual fund or unit investment trust, involves the risk of losing money and should be considered as part of an overall program, not a complete investment program. An investment in ETF's involves additional risks, such as not diversified, price volatility, competitive industry pressure, international political and economic developments, possible trading halts, and index tracking errors.
There is no guarantee that a diversified portfolio will enhance overall returns to outperform a non-diversified portfolio. Diversification does not protect against material risk.
REBALANCING &
MONITORING
While we don’t believe in trying to “time the market,” we do rebalance portfolios according to the business cycle and general market shifts, a process we believe is more effective than simply rebalancing once a year. We may also rebalance to help keep your portfolio in line with your target asset allocations, capture potential tax losses, or to take advantage of an opportune time, based on your tax situation, for you to realize gain.
We regularly monitor both the asset allocation of our investment portfolios and the performance of our managers, adjusting both as necessary.
* Re-balancing a portfolio may cause investors to incur tax liabilities and/or transaction costs and does not assure a profit or protect against a loss.
WHAT IS THE DIFFERENCE BETWEEN
ASSET & WEALTH MANAGEMENT
The inclusion of a Holistic Financial Plan.
Beyond long-term savings goals like retirement, and short-midterm goals like saving for a vacation or buying a house, holistic (or comprehensive) financial planning may also include legacy/estate planning, family care, health care, insurance planning, and charitable giving.
We can work with your existing CPA, accountant, and/or attorney(s) to address each area, as well as provide ongoing planning. Allowing you to maintain confidence while pursuing your life goals.
*If you are not already working with an attorney and/or CPA we can help by providing several qualified referrals for you to interview.