Investment Management

Investment management addresses an individual's investment needs, asset allocation, and the suitability of different types of securities in light of the investor’s goals, time horizon, risk tolerance and overall assets. While our clients are working, we are focused on the accumulation of wealth over time for retirement planning and/or to fund specific financial goals. Once our clients have repositioned their lives and are no longer working, our investment management focus is on retirement income, wealth transfer, and the appropriate asset allocation to support our clients’ short- and long-term needs.

An effective investments strategy includes establishing and maintaining an emergency fund to meet short-term spending needs and to guard against depleting savings or investments that are intended for other goals.

We use an asset allocation approach to diversify our clients’ investable assets among a variety of investment categories. This process is designed to:

  • Reduce overall investment risk
  • Create more reliable investment forecasts
  • Improve the risk/return trade-off of your portfolio

Wealth accumulation planning involves the choice of securities for an investment portfolio. Basic securities are stocks, bonds, mutual funds, and/or exchange-traded funds (ETFs). Separately managed accounts, short-term assets, and annuities are other prospective solutions we may include to optimize an overall investments portfolio.

Alternative investments may also be an option for the right investor. One of the premier benefits of alternative investments is diversification, resulting from the inclusion of investments that react differently to the markets than more traditional investments. Managed futures, angel investments, commodities, hedge funds, oil and gas, tax shelters, venture capital funds, and real estate are all examples of alternative investments.

Some client situations require different expertise than a typical stock and bond portfolio implementation. These situations usually pertain to employer-related retirement plans and stock options and real estate exchanges.

Most investors understand that as risk increases, the potential for return also increases. There is a tipping point for each individual where the level of risk is not worth the potential return. The goal of asset allocation is to provide our clients with the risk/return trade-off scenario that is most comfortable for them.