As an investment specialist and fiduciary, I can help in a variety of ways:
1. Improve Investment Behavior and Decision Making
Investing evokes emotion. We can help you maintain a long-term perspective and a disciplined approach based on your investment plan. These can be critical factors, especially when it comes to long-range planning for retirement. Better decision making can lead to improved results and greater confidence that you're on the right path.
2. Portfolio Construction
We can help you build and maintain a portfolio with a suitable mix of broadly diversified stock and bond funds, as well as cash investments. How those assets are allocated is based on your goals, investment time horizon, and tolerance for risk, among other factors. If you're planning for retirement, your asset allocation might include some portion devoted to stable income. Your asset mix is one of the most important decisions you will make. Core portfolio principles include:
- Reducing fees and expenses
- Tax efficiency
- Risk-adjusted returns
- Balance and diversification
- Goals based
3. Holistic Wealth Management
Given the importance of selecting a suitable asset allocation, it's also vital to maintain that allocation. As your investments produce unequal returns over time, your portfolio can drift from its target allocation, acquiring risk-and-return characteristics that maybe inconsistent with your circumstances. We will periodically re-balance your portfolio to retain it's desired risk-weightings.
Tax considerations are also important and come into play when an investor starts spending from their portfolio. We can help you implement tax-smart strategies from withdrawing from your taxable, tax-deferred, and tax-exempt accounts. Minimizing taxes, fees and other expenses, will have a positive effect on your wealth and help to extend the longevity of your portfolio.
We will also provide advice on estate planning, taxes and family matters.
The bottom line
With sound strategies and tactics we can increase your confidence that you're doing all you can to reach your goals.