We understand everyone has different reasons to invest. That’s why we start with a conversation. With a real person, not a computer screen. Why you are investing is as important as what you invest in. Only after getting to know your short-
and long-term goals, can we recommend a personalized financial plan with a well-defined strategy to help you start to pursue those hopes and dreams.
Rather than lumping all of your assets into one bucket and hoping to outperform market benchmarks, we can create a separate strategy for each goal:
or whatever meets your needs. Performance is measured by progress toward achieving each stated goal. Risk is viewed as failure to fully achieve a goal.
Asset Allocation and Market Diversification
It’s difficult not to worry about your investments, especially savings you have put aside for retirement. During volatile times, many investors get spooked and begin to question their investment strategies.
The nature of markets is to move up and down over the short-term. While there is no consensus on what causes volatility, it exists, and investors should develop ways to deal with it.
One way to deal with volatility is to avoid it altogether. This means staying invested, following your current long-term strategy and ignoring short- term fluctuations.
Another strategy is to diversify investments and allocate assets to minimize volatility. It’s important not to be overly concentrated in one sector of the economy or type of investment. All investing involves risk including loss of principal. No strategy assures success or protects against loss. 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.
We live right here – in the same community as those we serve. We never lose sight of the fact that your investments represent the hopes, dreams and aspirations of a friend and neighbor.
The first step in working toward your goals is finding the right advisor to help get you there. That’s why we offer no-obligation initial consultations. These meetings provide an opportunity for you to get to know the person who will be advising you, and just as importantly, for us to get to know you.
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