Studies have shown that people who have a sound financial strategy are more likely to stay in the game
But three severe bear markets since 1999 have taught us that different economic and market cycles require greater investment flexibility than a simple buy and hold, "ride it out" strategy will allow, especially when taking withdrawals from a portfolio.
Because of this, we endeavor to take a "win by not losing" approach*. Our approach focuses on strategies that combine modern investment methods like technical analysis with more traditional methods such as fundamental analysis, valuation analysis and Modern Portfolio theory.
When necessary, these include strategies that seek to help limit downside risk and draw down of your portfolio, along with a "core/satellite" strategy designed with a goal to take advantage of market opportunities.
While there are certainly no guarantees...
We will recommend a portfolio of investments that seek to provide the returns your wealth plan has indicated you'll need, and is aligned with your goals, values and tolerance for risk.
*A "win by not losing" approach does not indicate the portfolio will not suffer losses, only that our strategies seek to manage downside risk as well as upside potential. Market conditions and your particular asset allocation - based on your tolerance for risk and investment goals - will ultimately determine the majority of portfolio performance, and will effect investment decisions for your particular situation. Past performance does not guarantee future results.
All investing involves risk including the possible loss of principal. No strategy assures success or protects against loss.
We provide ongoing investment advice to our advisory clients based on a percentage of the advisory assets we manage for them
We manage advisory assets on a discretionary basis through our custodians, TD Ameritrade Institutional and LPL Financial, along with compliance oversight from our SEC Registered Investment Advisor - Independent Advisor Alliance.
Through these alliances, we construct portfolios using individual stocks, bonds, exchange traded funds (ETF's), mutual funds and 3rd party outside managers, along with research provided by companies like BlackRock, JP Morgan, Goldman Sachs, Morningstar, and S&P.
TD Ameritrade and Independent Advisor Alliance are separate entities from LPL Financial
Financial planning, account aggregation, goal setting and addressing other important areas of your finances (in addition to your investment portfolio) may be offered for a separate fee, or bundled with asset management fees.