We realize investment planning is foremost in the minds of the public. Wall Street promotes itself to the point that many believe investment planning is financial planning. Wall Street couldn’t be more mistaken. Your overall “financial health” is crucial so we believe the following core elements need to be evaluated:
Goal Planning, Probability and Cash-Flow Analysis;
Investment and Net-Worth Analysis;
Insurance and Estate Planning;
Tax Planning.
Strategies, which are too numerous to list here, are individually formulated based on the facts we glean from our meetings and the data loaded into your financial website.
Retired Now or Nearing Retirement
From your financial plan, we project the cash flow needed from your investments.
We simply hold at least a year of withdrawals in a money market (not subject to downside market risk).
We build a bond ladder of at least six years of income (not subject to downside market risk or sequence-return risk).
We determine your “risk number” and allocate the rest of your investments according to your risk tolerance. This third layer is for long-term growth and is designed to buy more rungs of the bond ladder. This can be done through dividends, capital appreciation or a combination thereof. We manage this portion of the portfolio to mitigate downside market risk through “market adjustments” each quarter.
We believe in using a variety of investment constituents including stocks, whether individual securities, ETFs, Mutual Funds, and Closed-ended Funds, bonds, whether ETFs, Mutual Funds, and Closed-ended Funds, or alternative investments.
Younger Individuals
From your financial plan, we determine there is no need to build a revenue stream with cash and bond ladders.
We determine your “risk number” and allocate the rest of your investments according to your risk tolerance. We manage the portfolio to mitigate downside market risk through “market adjustments” each quarter.
We believe in using a variety of investment constituents including stocks, whether individual securities, ETFs, Mutual Funds, and Closed-ended Funds, bonds, whether ETFs, Mutual Funds, and Closed-ended Funds, or alternative investments.