Investment Management

Whether it’s building a comfortable retirement, establishing a legacy for your loved ones or simply generating wealth, we all invest with goals in mind. How successful you are in pursing your financial goals may depend on your investment strategy and the people you trust to implement it. Our team of experienced advisors will develop and maintain a customized asset allocation portfolio that can adapt to address your changing needs and evolving market conditions. Three tools we use to maximize return potential and manage risk with our professional money management accounts are:

1. Risk Assessment

In the investment world, risk generally is associated with uncertainty. It refers to the possibility that you will lose some or all of your investment or that an investment will yield less than its anticipated return. We believe that the key to successful long-term investing lies in minimizing risk, rather than trying to maximize gains.

2. Asset Allocation*

We believe one of the most effective risk management strategies that you can employ is asset allocation. In our practice, asset allocation is the process of spreading your investment dollars across different asset classes. This strategy creates a balance between your risk and potential return to align your investments with your long-term objectives. Based on this foundation, we construct diversified portfolios that allow you to take advantage of investment opportunities, while aiming to minimize the downside impact that any one investment could have on your entire portfolio.

3. Alternative Investments**

Beyond the three primary asset classes – stocks, bonds, cash – many other types of investments can be used to diversify investment portfolios. “Alternative assets” are used to potentially stabilize portfolio return due to their lack of correlation with other types of traditional investments. Part of sound portfolio management is diversifying investments so that if one type of investment is performing poorly, another may be doing well.

*Asset allocation does not ensure a profit or protectr against a loss.

**Alternative investments may not be suitable for all investors and should be considered as an investment for the risk capital portion of the investors portfolio. The strategies employed in the management of alternative investments may accelerate the velocity of potential losses.

Stock investing involves risk including loss of principal. Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. No strategy assures success or protects against loss.

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