What Our Services Provide:

Clients use our services because of the value we bring to their financial lives. An integral part of the process is the Investment Policy Statement. This is the driving force behind implementation of financial plan. It details what mix or asset allocation will be used within certain parameters to attain long term investment results. All investments possess some degree of risk. The more aggressive the portfolio, the higher the expected return, but higher the expected returns also mean greater volatility. We come to a consensus with each client on degrees of risk versus return necessary to achieve long-term goals while being cognizant of the comfort level of the client with that risk. This helps everyone focus on realistic rates of return, required savings, and life-style choices consistent with individual levels of expectation versus stress.

The implementation process uses the scientifically proven concepts of asset allocation, diversification and passive index investing. Asset allocation deals with the concept that we can not predict which asset will perform best or worst in the future – large versus small, growth versus value, domestic versus international etc. By allocating to different asset classes, we increase the probability of attaining desired investment results while reducing the overall risk of any given portfolio. Diversification means investing across the spectrum of a particular asset class. One can not properly mirror the S&P 500 index return by owning substantially more or less than 500 stocks within the index. Results that mirror a particular index are achieved by owning the securities represented by the index or asset class. The last part of the equation, passive investing, refers to buying and holding the securities that comprise a particular index. Active management produces cost that detracts from returns. Active management may produce superior results for short periods but the overwhelming academic evidence shows that active managers under-perform their target indexes over any meaningful period of time.

Availability:

We report quarterly on results to each client. We meet regularly with our clients. Both of these events are important. Each client possesses their own dynamics that change or evolve over time. Since the client is not static, their personal planning can not be static either. We monitor results and meet with clients to determine if changes are warranted to each plan. Needs change, people change, events beyond our control occur – planning must be updated regularly to comply with the changing dynamics of each client. Our job is to advise each client as they move down their financial path, help them adapt to changing situations and be their trusted advisor.

If you would like more information or want to schedule an appointment with our firm, please contact us Toll Free at 1- 866-689-5962 or email info@assetmgtplanning.com.