We take a relatively conservative approach to investing by combining sizable conservative investments the traditionally more risky stock investments. The challenge is to develop an asset allocation strategy that can satisfy your desire for safety with your long-term growth objectives that will maintain your lifestyle.
While a conservative portfolio can seem pokey during a stock market boom, it is also less likely experience the dramatic drops that a more aggressive portfolio can experience. We continuously monitor, review, and make changes to your portfolio as conditions in your life and in the world change.
Client’s Investment Criteria
The first step in constructing a portfolio starts with you and your situation.
- When will you need your money?
- Do you have adequate funds?
- How long does the money need to last?
- Are you especially worried about the markets?
- How did you react in 2008 and 2009?
The questions are answered during our planning process. Once we know your situation, the next step is to help you shape your portfolio.
Investment Management Philosophy
Today’s world of volatility and seemingly endless crises makes working closely with clients and their money especially challenging. Our philosophy is that risk is as important as the return from the moment we started doing business. Now we are finding many people consider the risk to be an even more important factor than potential returns.
The client education process, whereby we teach you about our process and philosophy, starts during the first meeting and continue throughout our relationship.
The key points of our philosophy are as follows:
- Risk and return are equally important;
- Your life and your goals determine how much risk you decide to assume;
- Superior managers have the potential to outperform their index or superior managers have the potential to deliver performance with less risk;
- Broad diversification of type, style, size, geography, and class;
- A disciplined and consistent process; and
- Periodic portfolio monitoring, review and adjusting.
Creating the portfolios involves establishing an asset allocation framework of target percentages for the various asset classes.
Younger, more aggressive – risk-tolerant clients typically have more stock in their mix.
Retired clients are usually less risk tolerant and may have more bonds and cash in their mix.
Call Us With Your Questions
To determining whether a potential relationship is a good fit for all involved, please contact us about qualifying for a complimentary, no obligation review of your unique investment management needs. Give us a call at 908-379-2706
We are a fee based organization. The CFP® Code of Ethics require that all compensation arrangements be disclosed and we strive to have that disclosure both in writing and in a plain English discussion with you.
We firmly believe that our open platform is the best structure because we are able to recommend the most suitable product for you irrespective of the compensation structure.
Trust But Verify
Ronald Reagan made famous the phrase “Trust but verify”. In a world post-Bernie Madoff and Allen Stanford as well as class action lawsuits against some of our most respected financial institutions – clients appreciate learning how the various function and structures are performed by different entities with their own ownership structure.