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Creating Financial Freedom!

Building and preserving your personal wealth requires specialized attention. You get one-on-one guidance and personalized financial recommendations that help manage risk, improve performance, and ensure the growth and longevity of your wealth.

Do you need help?

The roller coaster performance of the financial markets over the last few years has made investment decisions a lot more complicated.  Making money to invest is one thing; knowing how to invest is quite another.

Choosing investments appropriate for you and your family is a big responsibility.  Upon careful scrutiny, many discover their investments are not consistent with their goals and objectives.

There is an abundance of available information about how to diversify your portfolio and make investment decisions.  This information overload just seems to increase the confusion and frustration for many people.  Others are so busy that they just never get around to making sound investment decisions.

What is portfolio diversification?

The old saying "don't put all your eggs in one basket" pretty much captures the essence of portfolio diversification.  There are many different categories of financial investments.  A properly diversified portfolio is composed of an appropriate mix of investments from the different groups.

Some people think of financial investments as stocks and bonds.  However, within these two broad categories, there are many differences.  For example, stocks are classified as large, medium, or small depending on company size.  Stocks are also classified as growth, value, or blend based on factors such as financial performance, dividend payouts, etc.

Diversification is the process of spreading your portfolio over many different categories to minimize investment risks.  These risks include, most notably, that your investment will lose value, or fail to grow at a sufficient rate to reach your financial goals.

Are your investments right for you?

To competently answer this question requires a two-step analysis.  First, you must identify the types of investments that are appropriate for you.

For example, decide the portion of your investments that should be in stocks, bonds, real estate, money market accounts, etc.  This process is known as developing an asset allocation strategy.

There is no one-size fits all approach.  Correct diversification depends on your needs, attitudes, goals, and objectives.

Next, you should evaluate the performance of your individual investments.  Compare your investments to benchmarks, and determine if they are "keepers" or need to be replaced.

A quantitative analysis such as this can guard against the negative consequences of emotional investing.

Mutual funds

Mutual funds offer investors a valuable option for reducing the risks of investing in individual stocks or bonds.  It is simply not practical for most investors to spread their dollars over enough different stocks to be adequately diversified.  Plus, the process of regularly monitoring the performance of individual stocks can be quite onerous.

In selecting mutual funds, I place a priority on the following:

  • Above average performance and ratings
  • No sales loads and low annual expenses
  • Reputable mutual fund family

How I can help   

As a Certified Financial Planner since 1996, I frequently assist clients with investments.  I apply a customized approach based on each client's needs.  You can rest assured that I will not be pushing any "cookie cutter" solutions.

The process begins with an initial meeting to determine what you want to accomplish, so we can make sure that I am the appropriate person to help you.  During this meeting, I will also review your financial situation, and gain an understanding of your unique goals, objectives, and attitudes.

Typically clients want me to do three things:

  1. Develop and recommend an appropriate asset allocation strategy.
  2. Evaluate current investments and make keep or replace recommendations.
  3. Identify and recommend new or replacement investment choices.

I am a fee only financial planner.  I do not sell any products.  If you are looking for unbiased investment recommendations and financial advice, please let me assist you. 

Financial planning's true value comes with implementation. Let me help you attain financial freedom by requesting a Free Consultation below.

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