AN EXTRAORDINARY PLANNING EXPERIENCE
Enriching families’ lives through extraordinary personal attention and
being a trusted guide for all the events of life.
Our commitment is to provide comprehensive financial planning assistance to each client on an individualized basis. We strive to deliver “an extraordinary planning experience.”
We feel everyone has their own strengths, goals, and opportunities, as well as their own unique challenges and obstacles. We take the time to counsel and advise our clients so they can stay focused on their goals, seize opportunities that arise, and are positioned to navigate obstacles.
Your life is at the center of the planning, i.e., your history, your principles, your values, the transitions in your life, and your goals. We want to build a solid long-term relationship with you and your family.
Our broker/dealer, Commonwealth Financial Network®, is one of the most respected independent brokerage firms in the financial services industry and allows us to have our own individual and independent practice without any proprietary products. Investment asset management is offered through Commonwealth. They provide independent research, state-of-the-art technology, unique account structures, and extraordinary support in numerous client service areas. The relationship with Commonwealth is an asset and important tool for our practice.
Our access to state-of-the-art independent research at Commonwealth helps
evaluate current and future portfolio positions.
We can provide you with hundreds of investment ideas, asset and sector allocations, earnings estimates, and overall portfolio guidance.
Additionally, the companies providing this research do not bring companies public, make markets in any of the stocks they analyze, or advise companies on mergers and acquisitions. Because these research firms are not broker/dealers and do not underwrite initial public offerings, you can feel confident that their analysis is not driven by any hidden agenda.
Before recommending and buying an investment, we work with you to establish goals and anticipate performance. This enables us to lay the groundwork for a buy-and-sell discipline designed to guard against dramatic consequences to your portfolio.
We believe asset allocation is a critical element in any sound investment plan.
Asset allocation is the process of dividing your investment dollars among a variety of complementary asset classes, such as stocks, bonds, real estate, and short-term, highly liquid vehicles—including money market funds—so that your portfolio is well diversified.
Key benefits of a sound asset allocation strategy include reduced risk, more consistent returns, and a greater focus on long-term goals. In fact, proponents of asset allocation say that this practice is designed to achieve higher risk-adjusted returns over time.
By building a portfolio that encompasses a broad range of asset classes and investment styles, you can help protect your portfolio from sudden changes in the financial markets. A diversified solution can potentially help you attain your long-term goals more readily—and with additional peace of mind.
There can be no guarantee that any particular yield or return will be achieved from any investment, nor is there a guarantee that a diversified portfolio will outperform a non-diversified portfolio. Investors should note that diversification does not assure against market loss.
A change in your goals, time horizon, risk tolerance, or personal financial situation may require a change in your strategic asset allocation, which is why it’s important to periodically review your asset allocation strategy. For example, as your time horizon shortens, you may have less time to recoup losses from sudden market downturns. Therefore, you might consider a more conservative asset mix.
In contrast, investors whose financial situation has improved significantly or who have become more comfortable and experienced with more volatile assets, such as stocks, might shift to a more aggressive allocation strategy.
Fluctuations in the financial markets may also necessitate a reassessment of your portfolio. For example, if you begin an investment program with 75 percent of your money in stocks, 20 percent in bonds, and 5 percent in money market funds, several years of strong bond or stock market performance could quickly shift your allocations. The resulting, unplanned overexposure—or in negative conditions, underexposure—to an asset class may not be in keeping with your risk tolerance, investment goals, and time horizon.
We encourage maintaining ongoing communication with us to periodically rebalance your portfolio. In this way, we can help ensure that your investment plan remains consistent with your goals. We establish a fixed allocation with a goal for the funds in mind, but we build into the plan enough flexibility to seize opportunities along the way.