Investing Can Be for Everyone!
Investment planning can be fun, rewarding, and also very frustrating when the market is going down. The key to investing is to have all or most of your financial plan in place, including an investing strategy.
Our investment planning service can lead to a strategy and investment plan that is well integrated with your financial plan, you can invest wisely, prudently and with less worry.
Your financial plan with your money values, goals, and risk tolerance will be the foundation of your investment plan and will help us determine the right investment strategies for you. One of the first key determinants is whether you are an active investor or passive type of investor. Secondly, we’ll help determine what is the right asset allocation and diversification model that best suits your needs.
We can help you answer these questions and provide you with a written investment plan.
Our Investment Consultation Services
Our investment consultation engagements involve providing information, education, and consulting on a wide range of information that is pertinent to your Investment Plan:
- Types of investment vehicles available
- Active vs Passive investing
- Asset Allocation and Diversification analysis
- Investment projections analysis
- Do-it-Yourself or Investment Management Services
Mutual Funds vs Index Funds vs ETFs
There are literally thousands of financial products to choose from. Even within the most common types of investment vehicles, the choices are daunting. We look for the most simple and practical investments that align with your financial goals and tax strategy, and that we believe offer the best overall chance of success given your risk tolerance.
As a fiduciary, we can pick the most appropriate investments for you as we are not biased on any product sales by commission. We put your interest first!
Active vs Passive Investing
For many people, passive investing will suit their needs and skill level. Passive investing is setting up a strategy to maximize returns over a very long period of time with just minor adjustments along the way. The main objective is to build wealth steadily over time and hold down transaction fees. An example of passive investing is Index Funds that track a market index such as the S&P 500. Over the long haul, the S&P 500 performs very well. So a passive investor can “ride the wave” of the S&P 500 and not be heavily active in managing the investment.
Active investing is taking a more short-term approach to maximize profits by buying and selling on an on-going basis. Transaction fees are much higher and the investor has much more market timing risks. To be successful, active investors typically monitor the market and their stocks throughout the day.
What is the Right Asset Allocation and Diversification Model for You?
After we learn what type of investor you are, our investment planning service will include recommendations as to the right asset allocation mix and diversification model. These are two very different things and many advisors confuse the two into just “diversification.” To be done properly, asset allocation is the breakdown of your portfolio into:
- Cash, including government securities
- Alternative Investments, such as REITS
Your actual mix among the asset classes will depend upon all the data we gather regarding your goals, risk tolerance and timeframes.
Once the asset allocation mix is determined, we’ll go to work and develop a customized diversification model for your specific investments. The actual diversification mix will depend again, on your specific situation, goals, risk tolerance and timeframes.
Investment Projections Analysis
We may also offer an investment projections analysis of your portfolio, indicating the likelihood of achieving your financial goals. For situations in which projections show less than the desired results, we may make recommendations that include showing you alternative scenarios such as:
- Working longer or investing more
- Changing your asset allocation or diversification model
- Moving out your timeline
- Taking more risk for potentially better returns
- Re-evaluating your goals and expectations
Whether you choose our recommended investment plan or bring one from your previous advisor, we can analyze it for you and provide an unbiased 3rd opinion. As a fiduciary, we are not bound by product sales or commissions, providing you with an outstanding opportunity to have your current plan analyzed.
Do-It-Yourself vs Our Investment Planning Services
If you are like most people, you have worked hard and long hours for the money you earn. Most people do not have the time, knowledge or skill to manage their own investments. For you we have Investment Management Services in which we can manage all of the agreed-upon investment activities through a brokerage account that we set up for you.
Alternatively, if you have the time, we can show you how to set up a brokerage account yourself, and then you manage the investment strategy and action plan that we agreed upon in your investment plan.
Either way, you will have your written investment plan to chart your course forward in the world of investing that is right for you. Check out some of these valuable resources and then give us a call to get started.
- The Reality of Investment Risk
To schedule your no obligation consultation Contact Us Today