Financial Portfolio Management

Financial Portfolio Management

Flexible, Adaptive, Strategic.

When we talk about financial planning, what we are actually planning for is your future.  But the future is unknown and uncertain, and constantly changing.  No single investment strategy can ever work perfectly all the time.  As economic, business, and political circumstances change worldwide, so should your investment strategies. Your financial management needs to be flexible, constantly adapting so that you may take advantage of or avoid market situations that arise. It should also be comprehensive to take into account your complete financial picture and life goals.  

Download Our Portfolio Objectives and Strategies Brochure

Active Risk Management for Growth with Protection

Active Risk Management moves holdings to less risky assets according to the risk level of the markets and global events, and reverses the process when the financial risk level drops.  This helps to mitigate future uncertainty, and reduce portfolio volatility and financial loss.  You know you have adequate protection in place when you can say, “it doesn’t matter what happens” in global events, because you understand your portfolio will adjust and adapt as needed.

Portfolios that have less volatility and less potential for loss can accumulate more money, long term.  This helps with our financial longevity planning.  You gain more by losing less!

Retirement Planning

Because we focus on your financial longevity, our strategies help grow and protect your money for your future retirement needs.  We can also help you optimize your Social Security income.

Principal Protected Products

Another strategy for growth with reduced market risk is the creative use of principal protected products, where your initial investment is protected from loss by the company issuing the product.  Depending on the product used, some of the gains may be protected, too.  Principal Protected Products can provide an excellent way to grow and protect your money for future needs.

Loss from Life Events

Insurance and other asset protection strategies protect your portfolio from being rapidly depleted by large expenses or loss of income caused by ordinary life events: births, deaths, marriage, divorce, college planning, illness, disability, estate transfer, buy/sell a home or business, and more.  A perfectly managed portfolio can still suffer great loss if life events are not planned for.

Tax and Estate Planning

Taxes are another source of portfolio loss.  Tax deferral can be achieved for many investment accounts — not only IRA’s or 401k’s, but also for ordinary individual and joint accounts.  Tax on gains from the sale of highly appreciated assets may also be deferred without needing to purchase another like-kind asset.

Estate plans and trusts should be updated as personal needs and regulations change.  Trust accounts need to be managed for growth and protection, same as any other accounts; they are frequently ignored.  

Insurance Services  

Life insurance policies need to be managed, even if they are in trusts, to make sure they are still providing an appropriate level of coverage that is cost-effective.  If you think you need life insurance, I can help you find a policy that is the best fit for your situation.  If you have life insurance, your personal, family or business needs for it may have changed.  It may be possible to exchange it for a policy with more coverage, a lower premium, lower internal costs, or a long term care rider.  Beneficiaries and owners may need to be updated depending on life events that occur. 

Medicare Supplements

I can help answer your Medicare Part A and Part B questions, and find the best Medicare Supplemental Insurance and Prescription Plan for you. 

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Time is Your Most Valuable Asset

We can’t the markets but you CAN control the amount of time you spend planning. See why time is your most valuable asset in your portfolio.
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5 Ways to Protect Your Portfolio from Market Uncertainty

Financial markets always go up and down. See the 5 financial strategies we use to help you find the best balance of growth and protection.
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Why Market Volatility Matters

These examples demonstrate how you can gain more by losing less.
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9 Reasons to Move an Old 401K to a New IRA

Discover the advantages of moving old 401k’s and other retirement plans to an IRA.
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How Life Events can Affect Your Financial Portfolio

Are you prepared for the financial effects of common life events?  This checklist can help your planning.
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We Also offer Business Financial Services

In addition to our personal financial management services we also offer a range of business financial services.

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Business Financial Services

Business owners and executives, regardless of company size, rely on unique financial strategies designed to keep them and their businesses prosperous.  Businesses are composed of people, who experience life events that can affect their businesses.  Businesses also plan for the needs of their employees, and for the success of future owners, too.  Proper financial planning is critical to the long term success of these owners and executives, and the people who depend on them.

Business Continuation 

Disability Income Insurance; Business Overhead Expense Coverage; Key Person Protection; Disability Buy-Out.

Business Succession

Exit Strategy Planning; Buy-Sell Arrangements.

Compensation and Retirement Strategies 

Deferred Compensation and Executive Bonus Plans; Split Dollar and Corporate-Owned Life Insurance.

Corporate Benefit Programs

Qualified Retirement Plans; Insurance Group Benefit Plans for Company Employees.

Employee Programs

Educational Seminars and Materials; Individual Retirement Accounts; Voluntary Benefits.

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Complete Financial Services

We are a full-service resource for your personal and business solutions.
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Financial Planning Advice that is Individualized, Practical and Achievable:

Active Risk Management

Our portfolio management adapts to the constantly changing economic environment

Retirement Planning

We focus on your financial longevity, growing and protecting your money for your future needs.

Tax & Estate Planning

Effective tax and estate planning protects your portfolio from loss, and enhances your legacy

Medicare Supplements

We can help answer your Medicare questions and provide Medicare Supplemental insurance and Prescription Plans.

Principal Protected Products

A financial strategy to help reduce market risk and create growth

Loss from life events

Our asset protection strategies help protect your portfolio from large expenses these events may cause

Insurance Services

We provide and review insurance policies to protect you from financial loss

Business Services

Discover how we can help you with business succession, continuation, compensation, and employee programs