Our Investment Philosophy
Our investment process begins where it should – with you and your personal financial plan. As a result, we think differently about investing than other firms. Here are the ways our thinking sets us apart:
GOAL-FOCUSED
VS.
RETURN-FOCUSED
Focusing narrowly on returns may ignore other factors critical to your success. This is why we focus on your goals, 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 believe investments either provide income or growth to clients. But, they don't have to be mutually exclusive. We select investments that combine income with growth potential.
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.
Constructing Your Portfolio
Identifying Your Risk Tolerance
Your sensitivity to market volatility is important for us to understand to determine an asset allocation balanced on 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 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.
Identifying Return Potential
We seek to identify investments with attractive total returns – looking for opportunities that can potentially provide clients with investment income and growth throughout the portfolio.