Capital Preservation, Diversification, and Methodology
Capital Preservation – Client accounts are monitored on an ongoing basis. Depending upon the risk tolerance and time horizon of our client, if any investment value drops to a pre-determined level the investment team is alerted. We are then able to take appropriate action at that time.
Diversification – Most investments are placed in Exchange Traded Funds (ETFs) that provide instant diversification of the broad market, and specific sectors such as financials, health care, emerging markets and dividend paying stocks.
- Investment portfolios are adjusted to the specific circumstances that each client has such as risk tolerance, retirement goals, and cash flow needs.
- Allocations are adjusted based upon a variety of factors such as market cycle, domestic and international economies, etc.
- We use ETFs because they provide low trading costs, low fees (generally 0.15-0.35%), tax efficiency and broad range of offerings. Typical mutual fund expense ratios are 0.75% – 1.75%.