Our investment approach begins where it should – with you and your personal financial plan. As a result, we think differently about investing than other firms’ advisors. Here are the ways our thinking sets us apart:
-
Goal-focused vs. return-focused
Focusing too narrowly on returns may ignore other factors critical to your success. This is why we focus on your goals and objectives, and develop a custom investment strategy designed to help you achieve them.
-
Time vs. age
Focusing too much on age during portfolio design may not be helpful. Instead, focusing on the expected timing of portfolio withdrawals may be a more sound approach.
-
Total return vs. growth or income
Many investors and financial firms think of investments as either providing income or growth to clients. These characteristics are not mutually exclusive. We place importance on selecting investments that can combine income with growth potential to improve the opportunities for positive investment outcomes.
-
Multi-factor risk management
Although market volatility is important, we also consider more subtle factors like inflation, taxes and healthcare expenses when designing your portfolio.
-
Identifying your risk tolerance
Your sensitivity to market volatility is important for us to understand to determine an asset allocation that balances your risk tolerance and the return needed to achieve your goals.
Investing involves risk and investors may incur a profit or a loss. There is no assurance that any investment will meet its investment objectives or that substantial losses will be avoided.
-
Determining your cash needs
We will identify the likely portfolio withdrawals required in the next one to two years to satisfy goals and objectives, then establish a cash flow reserve.
-
Conservative portfolio size
Utilizing your anticipated spending as well as your risk profile, we strive to cover your needs and keep your portfolio risk in line with your financial plan.
-
Growth portfolio size
After making allocations to cash and conservative income components, we will allocate the remaining portfolio assets to growth opportunities, where appropriate, in order to address longer-term risks such as inflation, taxes and healthcare needs.
Investing involves risk and investors may incur a profit or a loss. There is no assurance that any investment will meet its investment objectives or that substantial losses will be avoided.
Each of our clients we’ve agreed to work with because we are confident we can make a positive difference in their financial life.