Investment Planning
Our Investment Process
In today’s day and age anyone can open an account and buy stocks/bonds/mutual funds. So why partner with us to assist in your investing journey? Its all about knowing what you own and having the appropriate risk/return profile. Our investment philosophy is built on these two fundamentals:
We want you to invest as aggressively as you can stomach
History shows us that the more stock market exposure you have, the higher potential return you may see. BUT of course the market goes down from time to time, so if you cannot stomach these drawdowns, you were invested too aggressively.
Your time horizon to spend this money should dictate how aggressive to invest
Are you in your 40’s and have decades before needing to spend this money? – be aggressive. You’re in your 60’s and need to spend this money in 2 years, preserving your investment balance is more important.
We are an independent firm and are not obligated to use specific funds that pay the advisor more. This allows us to be unbiased and further our fiduciary duty. We also use a “Core + Satellite” investment approach. There are segments of the market that you want to reduce your cost and use an index approach to have overall exposure. But there are also segments of the market where paying more for active management has the potential for long-term benefits of higher returns or lower risk.
Book a meeting with one of our professionals to learn more about our investment planning strategies.
Asset allocation and diversification do not ensure a profit or protect against loss in declining markets.
