Broker Check

Investment Strategies

Riskalyze - platform to analyze investment risk, building and implementing investment portfolios.

We get into detail on how our investments process works and benefits our clients. It is not as simple as just creating a diverse allocation based on past performances, expect to get the results you think or will be satisfied with and try to time the market. There is much more to investing than just choosing the investments. There are thousands and thousands of investments to choose from and we assist our clients in making those selections AFTER we understand the true goal with those investment dollars. For instance, we discover the main purpose of those investment dollars. Where do you have to reach, how much you need to begin with or invest in a systematic basis , what true risk appetite can you handle, how much investment time do you have and what could get in the way.

To answer one of the questions, "Risk Appetite" we use Riskalyze, to have a better understanding of one's risk tolerance of themselves, their investment allocation and what risk tolerance should you be. Riskalyze is a service and tool that allows our clients to align their risk tolerance with their portfolio risk by using a quantified Risk Number. You will be amazed how your current portfolios allocation may have too much or too little risk for you and how that may affect your long term rate of returns.

See this Riskalyze Video to better understand how this process can assist with keeping you on the path to obtain your goals with minimizing emotional investments everyone is influenced by.

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Type of accounts we assist our client with:

Type of IRAs

  • Traditional IRA
  • Roth IRA
  • Spousal IRA
  • Rollover IRA
  • Stretch IRA

Benefits of IRAs

  • Tax-deferred strategies
  • Flexibility to invest in a range of financial products

Type of Annuities

  • Fixed Annuities                                        
  • Deferred Annuities
  • Variable Annuities
  • Indexed Annuities
  • Income Annuities
  • Single Premium Immediate Annuity

Benefits of Annuities

  • Tax-deferred growth and compounding within the annuity contract
  • Guaranteed rates of return on investment
  • Guaranteed lifetime payments if you annuitize

Annuities can be a big part of retirement strategy. An annuity is designed to accept and grow funds and then, upon annuitization, pay out a stream of payments to the individual. Withdraws are subject to ordinary income tax and if taken prior to age 59 ½ may be subject to a 10% federal tax penalty.

Investment Options

  • A mutual fund is a portfolio of stocks, bonds and other securities that a group of investors owns and a professional investment company manages. These pooled investments offer investors the advantages of diversification and professional management. Investors should be aware that mutual funds are not guaranteed and their value can fluctuate. Although a fund may hold many different securities, that diversification cannot eliminate the risk of investment loss.

  • A variable annuity is a contract with an insurance company. Variable annuities can help fund or supplement retirement income. Clients can invest in a wide array of investment options called separate or variable accounts ranging from conservative to aggressive growth. Fixed account options may also be available. The value of the variable annuity may increase or decrease, depending on the performance of the investments in the underlying portfolios of each variable account.
  • A group variable annuity is an annuity contract that an insurance company issues to a group of individuals under a master policy. Most group variable annuities fund qualified retirement plans such as a 401(k) or 403(b). Contributions are usually on a pre-tax basis, which lowers the income tax liability. An employer may decide to match a percentage of employee contributions. The Securities and Exchange Commission (SEC) defines group variable annuities as exempt securities; the annuities are usually nonregistered securities that are not offered by prospectus. However, because group variable annuities are securities, the SEC and National Association of Securities Dealers (NASD) regulate them.

    Clients can invest in a wide array of investment options called separate or variable accounts ranging from conservative to aggressive growth. Fixed account options may also be available.

    Like all variable annuities, the investment accounts' values fluctuate. When redeemed, the participant may receive more or less than the original investment.

  • A 529 college savings plan is a state-operated investment plan that can help families save for future college costs. If the plan satisfies a few basic requirements, the federal tax law provides special tax benefits to plan participants under Section 529 of the Internal Revenue Code. Each state decides whether to offer a 529 plan, or possibly more than one, and what it will look like. Every state has made this commitment, although a few are not yet in operation.
  • Stocks and bonds are general securities that raise money to start a company or expand an existing company. An investment in a stock represents ownership in a corporation.
  • An alternative investment is an investment product other than the traditional investments of stocks, bonds, cash, property (including gas and oil limited partnerships), Real Estate Investment Trusts (REITs), Business Development Companies (BDCs) and equipment-leasing firms.
  • A unit investment trust (UIT) is a registered investment company that offers a portfolio of securities. UITs are like mutual funds; they are composed of a portfolio of different securities. Unlike mutual funds, UITs are not managed; therefore, there is a very small, if any, management fee. This prevents the portfolio from reallocating assets to take advantage of changing market conditions.
  • Third Party Asset Managers
  • Values-Driven Funds (Environmental, Social & Governance)*

*Value-Driven Investments: Align investment goals with personal beliefs (NEW)

75% of investors want their investments to deliver competitive returns while promoting positive social and environmental outcomes.1

85% of millennials say they would be likely to put all of their investments holdings in responsible investments.1

Values-Driven investing goes by many names, - socially responsible investing (SRI), environmental, social and governance (ESG), faith-based, or impact investing. Whatever term you use, the objective is the same: to align investment decisions with personal beliefs while enhancing long-term performances and managing risk.

More investors than ever before are interested in values-driven investing. According to estimates by Bloomberg Intelligence1, assets in ESG-related investments are projected to grow over 40%$ to $50 trillion by 2025.

If this is an area you want to incorporate in your investment allocation, let us know. We can help.

1 Fifth Annual Responsible Investment Public Release Survey, Nuveen 2020

High-Networth Strategies/areas....

This area discuss techniques and tools we have such as Assetmark, tax harvest, the credit line to investments, institutional investment choices, individual stocks, actively managed investments etc...

Download The SECURE Act: What Does it Mean for You? Ebook!

The SECURE Act changed how investment vehicles are handled. We’re here to help with our latest ebook. Learn the ins and outs of the SECURE Act so you can explore what this means for your estate strategy.