Trying to sift through the daily financial information that you receive from Wall Street to Washington can be challenging. We believe having a disciplined, risk management process without any inherent conflicts of interest is the proper way to respond to ever-changing data and manage your lifetime savings.
The importance of a disciplined process cannot be stressed enough as it prevents you from making investment decisions based on temporary emotions. Our risk management process looks at real-time data from a number of different factors over different time horizons to assess risk in our client's portfolios and opportunities in the markets. The points below summarize how we view asset management.
- Have a systematic risk management process
- Be aware of and respect your emotions. Accept that feelings aren’t facts.
- Respond, don’t react.
We seek to earn compound returns without major draw downs. Our primary objective is to protect your hard earned capital and compound returns over time in order to help you meet your stated objectives. A 50% loss in your portfolio would require a 100% return just to break-even! We feel that keeping more money invested and compounding over time is the best way to protect and increase your wealth.
As part of your personalized plan of action we will develop an investment road map based on your unique risk profile. What is the right balance between trying to grow your money and allowing you to sleep at night without worry? Do you want all of your investments completely at risk in the market, or do you want some funds in products that provide some kind of guarantee?
Your profile will assist us in selecting the appropriate program:
Investment Objectives: What do you hope to achieve using your investment dollars – improve current lifestyle; achieve capital growth; fund a specific goal such as a college education?
Risk Tolerance: This reflects your comfort level with market fluctuations that can result in losses.
Risk Capacity: How much can you afford to lose before jeopardizing your objectives?
Time Horizon: The length of time you are willing to commit to achieving your objectives.
Taxation: Investing in a mix of asset classes will have varying tax consequences.
Our investment goal is to generate a personalized rate of return that moves you steadily towards your stated objectives. As you move through life’s stages your needs, priorities and the economic environment will change and so too must your investment strategy. For this reason we employ a risk management process that embraces uncertainty. We will assess changes in economic and market conditions and your personal situation to determine if any modifications to your investment plan are necessary. Having a flexible process that evolves along with you helps us minimize risk and take advantage of opportunities when they present themselves.
Clients who engage us for Asset Management services will also receive our "Personal Financial Advisor" services. Our standard advisory fee (flat fee) is based on the market value of the assets under management and is calculated as follows:
Learn more about our asset management services by contacting us today.
When we’re ready to look at investments, I help you choose from more than 300 different portfolio managers to match your goals and preferences. I explain everything as simply as possible and make sure you completely understand before we move forward. You have your own personal advisor, but reap the benefits of competitive costs, features and benefits from a wide range of investment professionals. We keep it simple.