Overview
Of the variety of approaches to financial investment, my preference is to focus on the responsible investment of no-load mutual funds.
How Do We Begin
We will review your current financial situation during an Introductory Meeting in order to:
- assess your income and expense levels to develop appropriate financial strategies.
- determine your financial goals and time frames for saving, such as retirement, education, and large purchases.
- guide you to lower levels of credit card debt to reduce high interest expenditures.
Investment Strategies
There are alternative investment strategies with associated goals, risks and returns. I can work with you to promote the following investment goals:
- Preservation of capital with income: This is the appropriate goal for investments which will be utilized within the next two to three years or if there is a preference for not taking on investment risk.
- Growth of capital with income: This is appropriate when the investments will be utilized in three to five years.
- Growth of capital: This is appropriate when the investments will be utilized in five to ten years.
- Aggressive growth: This is appropriate when the investments are to be held for the long term, such as in a retirement plan.
Most often a diversified strategy will incorporate more than one of the above goals.
Building a Portfolio
The information which we assemble will be crucial in determining the amounts to be invested in each asset class with their associated levels of risk and return. I am not a day-trader who tries to time the stock or bond markets. I create appropriately diversified and allocated portfolios for retirees and long term investors.
Investment Options
Investments may vary in their degree of liquidity and diversification. While I prefer using primarily no-load mutual funds, I can work with all types of securities including:
- Stock or Bond Mutual funds and Exchange Traded Funds (EFT’s)
- Domestic and International securities
- Individual Stocks
- Individual Bonds
- Cash equivalents such as money market funds and treasury bills
Finding Appropriate Investments
To invest is to incur risk. Risk and return are long-term considerations in selecting appropriate investments. We will develop an understanding of your acceptable level of risk and desired returns and create portfolios that attempt to satisfy your needs.
Once your needs are assessed, I will use various data sources, such as Morningstar, and other online and print resources, to identify no-load mutual funds that are most appropriate for your individual portfolio’s asset allocation.
I am certified by Dimensional Fund Advisors (DFA) to offer their institutional class mutual funds to my clients. DFA provides exellent investment options for asset class investing.
