Planning For Your Future

Investment Management

The best things in life deserve careful planning.

Why do so many people never obtain the financial independence that they desire? Often it's because they just don't take that first step—getting started. Besides procrastination, other excuses people make are that investing is too risky, too complicated, too time consuming, and only for the rich.


Saving versus investing

Wealth management involves both saving and investing. However, don't confuse the two. Saving is the process of setting aside money to be used for a financial goal, whether that is done as part of a bank savings account or some other savings vehicle. Investing is the process of deciding what you do with those savings. Some investments are designed to help protect your principal—the initial amount you've set aside—but may provide relatively little or no return. Other investments can go up or down in value and may or may not pay interest or dividends. Stocks, bonds, cash alternatives, precious metals, and real estate all represent investments; mutual funds are a way to purchase such investments and also are themselves an investment.

Why invest?

You invest for the future, and the future is expensive. For example, because people are living longer, retirement costs are often higher than many people expect. Though all investing involves the possibility of loss, including the loss of principal, and there can be no guarantee that any investment strategy will be successful, investing is one way to try to help prepare for that future.
 
You have to take responsibility for your own finances, even if you need expert help to do so. Government programs such as Social Security will probably play a less significant role for you than they did for previous generations. Corporations are switching from guaranteed pensions to plans that require you to make contributions and choose investments. The better you manage your dollars, the more likely it is that you'll have the resources to make the future what you want it to be.
 
Because everyone has different goals and expectations, everyone has different reasons for investing. Understanding how to match those reasons with your investment strategy is simply one aspect of wealth management.

Whether you’re saving for future needs or future generations, we’ll partner with you to develop a clear understanding of your objectives and then develop a plan to help you succeed.


Here’s how our wealth management process works:

Identify your needs and objectives. We develop a customized strategy that considers your time horizon, liquidity needs, desired rate of return and risk tolerance level. The result is a complete understanding of objectives, tax status and an analysis of liquidity and portfolio concentration.

Determine an asset allocation strategy. Asset allocation is primarily responsible for variations in any portfolio’s long-term performance. A sound asset allocation strategy will help balance potential return with the amount of risk a client accepts.

Build your portfolio. A critical part of enhancing a portfolio’s risk/return profile involves allocating investments among numerous styles and sectors. Building a successful portfolio means defining the appropriate asset allocation as well as diversification within each asset class.1 Since taxes can significantly impact return, we will incorporate our client’s tax situation into our portfolio design.

Select investment options. Our quantitative screening helps ensure that each asset manager meets standards for style consistency, risk adjusted performance, consistency of performance and low expenses. Our experienced analysts further assess the philosophy behind the numbers, the process by which it is implemented and most importantly the people who manage the portfolios.

Monitor and measure. Long-term investment success demands continuous measurement. We continually monitor our investment managers to ensure they adhere to their stated philosophy and investment style. We also monitor portfolios for imbalances that arise from the market shifts to favor a style or asset class and rebalance as necessary to conform to the established asset allocation plan.

Take the next step.

Call (888) 762-6088 or email one of our wealth management advisors directly to get your financial plan started today. 

* Consider the investment objectives, risks, and charges and expenses of the investment company carefully before investing. The prospectus and, if available, the summary prospectus contain this and other information about the investment company. A prospectus can be obtained by contacting your investment professional. The prospectus should be read carefully before investing.
* Before investing in a mutual fund, carefully consider its investment objectives, risks, charges, and fees, which can be found in the prospectus available from the fund.
1 Diversification neither assures a profit nor guarantees against a loss in a declining market.