Investments

Investments play a key role in your financial plan.  We offer a wide array of traditional and non-traditional investments that can help you achieve your goals.

Typically, our portfolios are created using low-cost exchange-traded funds (ETFs), though we occasionally utilize mutual funds for proper diversification.  However, in each case, we customize your portfolio to meet your needs and minimize costs.

Asset allocation is the process of selecting a mix of asset classes that closely matches an investor’s financial profile in terms of their investment preferences and risk tolerance. According to Modern Portfolio Theory, investing in multiple asset classes will reduce portfolio risk and help mitigate the effects of adverse movements in any one class.

All investments involve some sort of risk, whether it’s market risk, interest rate risk, inflation risk, liquidity risk, or tax risk.  An individualized asset allocation strategy seeks to lessen these risks through diversification. 

Individual Strategy

When done properly, an investor’s allocation of assets will reflect his desired goals, priorities, investment preferences and his tolerance for risk. Asset allocation is an individualized strategy, so there really is no perfect mix of assets.  Each individual’s strategy is built on the careful consideration of the key elements of their financial profile:

Investment Objectives: What do you hope to achieve?  Improve your current lifestyle?  Achieve capital growth?  Fund a specific goal?

Risk Tolerance: What is your comfort level with market fluctuations that can result in losses? 

Investment Preferences: Do you prefer one asset class over another?  Do you have a desire to invest in socially responsible funds?

Time Horizon: When will you need the money?

Taxation: Proper planning reduces your overall tax burden.

An Evolving Strategy

A sound asset allocation strategy includes periodic reviews.

The only certainty when it comes to the financial markets is that they will change; so will your financial situation.  It's important to keep your goals in sight.  

Asset allocation, which is driven by complex mathematical models, should not be confused with the much simpler concept of diversification.

Learn more about asset allocation by contacting us today.

Meet the team

Have you met our team?

We have a wealth of experience in the financial services industry.

Information provided on this website is general in nature and does not constitute financial advice.

CFP®, CERTIFIED FINANCIAL PLANNER™ are certification marks owned by Certified Financial Planner Board of Standards, Inc. These marks are awarded to individuals who successfully complete the CFP Board’s initial and ongoing certification requirements.

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