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Wealth Accumulation and Management

We rely on a disciplined approach to investing - not instinct or emotion.

Our investment management process:

  1. We employ a “top-down” or “macroeconomic” approach which begins with the big picture, analyzing the broader economy and global markets. It focuses on factors such as gross domestic product (GDP), interest rates, inflation, commodity prices, exchange rates and global market trends to help identify specific regions, sectors, and industries that we believe have return potential.
  2. Your financial goals : we begin our investment management process with your goals in mind. At what age would you like to make work optional (Retirement)? How much retirement income do you need to maintain or improve your standard of living? We believe you should not take on more portfolio risk than you need to achieve your goals.
  3. Your risk tolerance : we use an innovative technology that objectively calculates your true risk tolerance. Once we have your risk number, we construct a portfolio for you that fits your unique and individual risk preference.
  4. Portfolio construction : the next part of the process is the construction of your portfolio, which is divided into two primary parts : asset allocation and investment selection. Asset allocation determines how your investments are allocated across different investment classes defined broadly as equities (stocks), fixed income (bonds), alternatives, real estate and cash. Asset allocation decisions are also framed in terms of investments in domestic securities versus global or international assets. Investment Selection is the step where the actual investment vehicles are selected (individual stocks, bonds, mutual funds, exchange traded funds (ETFs), etc) for your portfolio. Our working relationship with Kestra Financial grants us access to an objective, open-architecture platform of investments, so we can craft investment strategies that are in your best interest.
  5. Implementation : once your asset allocation has been constructed, and investment selection decisions made, we will execute them through the purchase and sale of assets or securities, resulting in your investment portfolio.
  6. Monitoring and Performance Evaluation : The final, on-going part of our investment process is performance monitoring and portfolio evaluation. Over time, it is essential to monitor both changes in your own financial situation and changes in the markets and economy. Any changes in your goals, risk tolerance, income, net worth, or liquidity changes - or changes that take place in your life, like marriage or divorce, the birth of a child or death of a spouse will require your investment plan to be updated accordingly. It is also important to remember that it is critical to measure your portfolio performance within the context of your financial goals and plan. For example, it is not practical to expect returns on par with the market if you are not taking on the same risk or volatility level as the market.

IMPORTANT: The projections or other information generated by Riskalyze regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. Your Risk Number provided is on a scale of 1 to 99, with higher numbers indicating higher risk tolerance. Scenarios illustrated are hypothetical and not representative of any specific investment or investor. Individual results will vary. Investing is subject to risk which may involve loss of principal. No strategy assures success or protects against loss.