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INVESTMENT PLANNING STARTS WITH A DISCUSSION

 

UNDERSTANDING CLIENTS

Our first step begins with understanding your financial situation, goals, risk-tolerance, and important life events that can impact you financially. Then, as a financial planner, we design a solid framework for both long-term and short-term investment decisions using 'Efficient Frontier Portfolios'. This strategy delivers the highest possible returns with the least amount of risks you can take. We can design a personalized portfolio by hand-picking investment opportunities that follow our proprietary strategy.

TIME HORIZON

A time horizon or investment horizon is the total length of time a security is expected to be held by an investor. Setting a time horizon for any investment usually has to do with the goals and aims of the investor. Time horizon types vary from short-term to long-term. Time horizons may be different based on your age or retirement plans.

RISK TOLERANCE

Risk tolerance is the degree of variability in investment returns that an investor is willing to withstand in their financial planning. In simple words, how much money are you willing to lose without getting stressed out. Risk tolerance is an important component in investing. You should have a realistic understanding of your ability and willingness to stomach large swings in the value of your investments; if you take on too much risk, you might panic and sell at the wrong time.

PROFIT EXPECTATIONS

Every investor expects a profit. But understanding your expectations and keeping realistic goals is important. Higher the expectation, the higher the risk investors have to take. Finding investments that provide high rewards with the lowest possible risk is the key to an effective portfolio.

LIFE-EVENTS

Life moves fast. Although we plan for certain events, unplanned events do occur. It is important that we prepare for planned and unplanned events by keeping your money and investments working for you. Whether you're adjusting to an unexpected change or celebrating a big milestone, we can plan your investment strategy accordingly.

WORKING TOGETHER

CLIENT - ADVISOR - CUSTODIAN

The safety of client funds is critical to us. We partner with CHARLES SCHWAB as an independent custodian where we maintain our client accounts for discretionary purposes. We can safely and effectively manage client accounts held at the custodian. Also, partnering with an industry-leading custodian provides us with state-of-the-art market research tools and a wide variety of securities to choose from.


Please note that we are not financially compensated by the custodian for holding client accounts with them.

 
Analysing Data

PERSONALIZED PORTFOLIO DESIGN

Balancing You Profit Expectations vs. Risk Tolerance using Our Expertise

 

AGGRESSIVE: CAPITAL GROWTH

Aggressive implies an investor who is looking for significant growth (capital gains) in the portfolio and has a high-risk tolerance. Investors are not necessarily looking for consistent income such as dividends or interest income. We can use a variety of strategies to increase the aggressiveness of your portfolio without increasing your overall portfolio’s stock percentage. We do not use high-risk strategies such as leverage, margin, futures, or options. These strategies can be used individually or in combination with other aggressive, defensive, and income-oriented strategies.

DEFENSIVE: CONSERVATIVE

A defensive investment strategy is a conservative method of portfolio allocation and management aimed at minimizing the risk of losing principal. A defensive investment strategy entails regular portfolio rebalancing to maintain one's intended asset allocation; buying high-quality, short-maturity bonds, and blue-chip stocks; diversifying across both sectors and countries; placing stop-loss orders, and holding cash and cash equivalents in down markets. Such strategies are meant to protect investors against significant losses from major market downturns. There are several ways to customize a defensive strategy without lowering your portfolio’s overall stock percentage.

INCOME PRODUCING

The income investing strategy involves putting together a portfolio of assets specifically tailored to maximize the annual passive income generated by the holdings. The reason investors put together an income portfolio is to produce a constant stream of additional cash. This includes bonds, preferred stock or common stocks that provide dividends.

BLENDING

Investors typically use a combination of above investment styles to accomplish their financial goals. How much of your assets should be allocated to each category, depends on the individual investor. There is nothing right or wrong about it, it's a personal preference. What is important is to allocate your assets in a timely manner using a consistently winning strategy.

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(919) 373-5454

8851 Ellstree Ln Ste 201, Raleigh, NC 27617, USA

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Raleigh Investment Consultant LLC, DBA, U.S. Investment Advisor

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