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Are you ready to take control of your financial future? Contact us today to schedule a confidential, no-obligation consultation and take the first step toward achieving your goals.
5018 Sawyer Cove Way
Windermere, FL 34786
Build a diversified, custom portfolio in accordance with your risk profile that is specifically designed to help you achieve your goals.
Investments are typically the first thing that comes to a client’s mind when discussing financial planning, and with good reason. Investments drive results and can directly impact your ability to achieve your goals or the timing of your successes.
Because your investment performance helps determine when you can retire, whether you can afford to pay for your child’s education or if you can purchase the vacation home of your dreams, it’s important to be measured and methodical. We believe in evidence-based investing, applying a coordinated and disciplined approach to deliver results. This approach aims to remove emotion from the investing process and replace it with practical strategies that align with your risk tolerance and objectives.
Before offering any investment recommendations, we take the time to complete a full risk assessment to make sure our guidance is in line with your overall risk profile. We walk you through a survey that presents various gain and loss scenarios, prompting you to consider the risk-reward tradeoff of each decision. Based on your responses, you are assigned a risk score from 1-100.
After having a conversation with you to ensure you are comfortable and in agreement with your risk score, we begin crafting a custom investment portfolio aligned with your risk score. This approach enables us to find a balance between taking on too much risk versus investing too conservatively and, consequently, missing out on opportunities for growth.
In addition to your willingness and ability to assume risk, we consider your other assets and outside investments when making recommendations. We incorporate a mix of passive and core/satellite strategies to provide a diversified, cost-effective strategy that targets opportunities while remaining flexible.
Build a diversified, custom portfolio in accordance with your risk profile that is specifically designed to help you achieve your goals.
Investments are typically the first thing that comes to a client’s mind when discussing financial planning, and with good reason. Investments drive results and can directly impact your ability to achieve your goals or the timing of your successes.
Because your investment performance helps determine when you can retire, whether you can afford to pay for your child’s education or if you can purchase the vacation home of your dreams, it’s important to be measured and methodical. We believe in evidence-based investing, applying a coordinated and disciplined approach to deliver results. This approach aims to remove emotion from the investing process and replace it with practical strategies that align with your risk tolerance and objectives.
Before offering any investment recommendations, we take the time to complete a full risk assessment to make sure our guidance is in line with your overall risk profile. We walk you through a survey that presents various gain and loss scenarios, prompting you to consider the risk-reward tradeoff of each decision. Based on your responses, you are assigned a risk score from 1-100.
After having a conversation with you to ensure you are comfortable and in agreement with your risk score, we begin crafting a custom investment portfolio aligned with your risk score. This approach enables us to find a balance between taking on too much risk versus investing too conservatively and, consequently, missing out on opportunities for growth.
In addition to your willingness and ability to assume risk, we consider your other assets and outside investments when making recommendations. We incorporate a mix of passive and core/satellite strategies to provide a diversified, cost-effective strategy that targets opportunities while remaining flexible.
Strategies
Passive investing
Also referred to as index investing, this approach involves buying and holding investments for a long period of time. Because the market historically achieves positive returns over time, a passive approach simply seeks to replicate mid to long-term returns in a cost-effective manner.
The idea behind passive investing is that because of its low cost, minimal trading and emotion-free approach, the strategy has an advantage when compared to the net returns of an actively managed portfolio.
Core/satellite
Building upon passive investing, the core/satellite approach goes one step further, allowing for additional investments that are tactically managed in response to current market conditions.
Using this approach, the passively managed portfolio serves as the “core” of the strategy. It is largest portion of the asset allocation and aims to provide long-term capital appreciation, diversification, lower volatility and lower costs.
Surrounding the core is a “satellite” allocation, representing a smaller portion of the portfolio. The goal of these assets is to provide extra risk-adjusted returns and flexibility to capitalize on opportunities in a dynamic market. The satellite allocation is actively managed to complement the core because it focuses on short to intermediate-term returns and allows the portfolio to be responsive to changing economic indicators.
Based on the results of your risk assessment, we will determine the appropriate allocation to the core and satellite sections of your portfolio. More aggressive investors typically allocate a larger portion of assets to the satellite component, while more conservative investors will maintain a well-diversified core portfolio.
Strategies
Passive investing
Also referred to as index investing, this approach involves buying and holding investments for a long period of time. Because the market historically achieves positive returns over time, a passive approach simply seeks to replicate mid to long-term returns in a cost-effective manner.
The idea behind passive investing is that because of its low cost, minimal trading and emotion-free approach, the strategy has an advantage when compared to the net returns of an actively managed portfolio.
Core/satellite
Building upon passive investing, the core/satellite approach goes one step further, allowing for additional investments that are tactically managed in response to current market conditions.
Using this approach, the passively managed portfolio serves as the “core” of the strategy. It is largest portion of the asset allocation and aims to provide long-term capital appreciation, diversification, lower volatility and lower costs.
Surrounding the core is a “satellite” allocation, representing a smaller portion of the portfolio. The goal of these assets is to provide extra risk-adjusted returns and flexibility to capitalize on opportunities in a dynamic market. The satellite allocation is actively managed to complement the core because it focuses on short to intermediate-term returns and allows the portfolio to be responsive to changing economic indicators.
Based on the results of your risk assessment, we will determine the appropriate allocation to the core and satellite sections of your portfolio. More aggressive investors typically allocate a larger portion of assets to the satellite component, while more conservative investors will maintain a well-diversified core portfolio.
Three-Step Asset Allocation Approach
Once we determine the most appropriate investment style, we begin selecting assets on your behalf by following a three-step approach:
ASSET ALLOCATION This represents the proportion of your investments that are assigned to each asset category. Asset categories include stocks, bonds, cash and alternative investments. We believe asset allocation is more important than single stock selection.
ASSET SELECTION This is the process of selecting individual stocks, bonds, ETFs, mutual funds, REITs and commodity-based products within each asset category. This ensures your portfolio is diversified, aligned with your risk score and has an expected return commensurate with the level of risk assumed.
ASSET LOCATION This exercise involves placing your investments in the appropriate accounts, with the goal of minimizing taxes. Each asset has different payout characteristics, and each investment account type has a different tax structure. The available options include taxable accounts, tax-deferred accounts and tax-exempt accounts. By aligning the return of each security with the proper account type, we can lower overall taxes and increase your net returns.
Contact us to optimize your portfolio and ensure your investments align with your risk tolerance.
“The stock market is a device for transferring money from the impatient to the patient.”
Warren Buffett
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