A BALANCED AND COMPLEMENTARY APPROACH
We believe that an optimal investment strategy is imperative for any financial plan.
History has proven that interest-generating investments such as cash and bonds have relative stability of principal. However, they provide little opportunity for real long-term growth due to their susceptibility to interest rates and inflation.
On the other hand, equity investments have clearly enjoyed significantly higher expected returns historically, but are vulnerable to more severe volatility risk in the markets. To balance the need for safety and performance, we use several investment platforms to bridge the gap between traditional and alternative investment strategies. They allow us to identify and design the best investment strategy for your situation, and answer questions such as:
- Am I taking too much or too little risk with my investments?
- Are my assets divided into different buckets to address different goals and different time horizons?
- Are my investments generating unnecessary taxes?
- Are my accounts being rebalanced so I stay within my risk parameters?
How your personal portfolio is structured depends on a number of variables that we incorporate into your customized design.
These variables include your current stage in the financial life cycle, your risk tolerance and investment time horizons. In this way, we are able to better manage your money with an equal emphasis on risk management and investment performance.
THE OPTIMIZED PORTFOLIO SYSTEM
TOPS® are ETF portfolios, which are strategically designed to range from Capital Preservation to Aggressive Growth, are based on the principle that efficiency in a portfolio is created by asset allocation and diminished by fees and taxes.
A mutual funds-based advisory solution that allows access to either an open architecture advisory solution or seven risk-based asset allocation models with risk profiles ranging from conservative to aggressive that may be selected based on a client’s goals, objectives, risk tolerance, and investment time horizon.
Together, we help create an education savings plan that takes into consideration things like the state you live in, the school(s) your loved ones may want to attend, applicable tax strategies, and your investment options. We also make sure it fits into your overall financial plan.
With the ever-increasing costs of higher education, saving for some or all of those future costs now may prove to be an investment that lasts your loved one’s lifetime.