Investment Planning

Investment planning is an integral part of a good financial plan. Having goals and a plan to reach them along with an understanding of the underlying risks and potential rewards, increases your likelihood of success.

Investing should be a long term program. We feel diversification through asset allocation is a key to achieving good investment results while helping to reduce overall volatility.*

There are three investment strategies we utilize:

  • Accumulation: assumes you have a longer time frame to accumulate and grow assets. This model is used for people who have more than ten years to invest before needing to reduce risk. It has a greater proportion of equity-based investments.
  • Transition: for clients who may be within five years of retiring or desire to reduce their risk level as their ability to add more to their investments declines. This model can work within the early years of retirement as well.
  • Distribution: for clients who are in a position where they need to draw income or allow it to grow, but want a reduced level of risk. It has the least amount of equities investments and relies more on cash and bond investments

Each strategy has three basic risk categories: Conservative, Moderate, and Aggressive and may be adjusted periodically based on market conditions.

Having a partner to keep you on track will help guide you towards success. Periodic reviews of your portfolio and goals are important since circumstances can change from year to year. It is easy to go off track without guidance. Our job is to help you stay the course and achieve your goals and financial dreams.

*Asset allocation and diversification are investment strategies that can help manage risk within a portfolio, but they do not guarantee profits or protect against loss in declining markets.