Objective investment planning integrated with your personal, financial goals that we determined through your Comprehensive Financial Planning, enables us to help you make better investment decisions. To help you preserve and grow the assets you have accumulated, we have adopted several investment principles that we hold sacred.
These principles include:
- Strategic and Tactical Asset Allocation provide the foundation to managing the long-term risk and return of a portfolio.
- Low cost investing through the use of low-expense no-load mutual fund families, ETF’s, and index funds are preferred.
- Rebalancing portfolios on a consistent basis should reduce risk and increase returns over time.
- A mandate to uphold an unbiased, objective, and advocacy roll.
We assess your unique risk tolerance, time horizon, income needs, tax situation, and overall financial objectives. By designing a portfolio to help reduce market volatility with a higher probability of pursuing the returns you require, we try to minimize the fluctuations of the capital markets while attempting to ensure your goals are attainable.
A Disciplined Investment Process is Key
In order to address your financial goals, the need for a well-diversified and professionally managed Investment Plan is critical. Our process will take you through the following steps:
- Setting your investment goals
- Understanding your investment personality
- Designing an investment portfolio
- Selecting specific investments
- Managing and monitoring the portfolio
- Re-balancing or redesigning the portfolio, if needed
Investing in mutual funds involves risk, including possible loss of principal. 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 ETFs involves additional risks such as not diversified, price volatility, competitive industry pressure, international political and economic developments, possible trading halts, and index tracking errors. Asset allocation does not ensure a profit or protect against a loss.