Managing risk through broad diversification across global equity, fixed income and real estate markets
Strategic selection and placement of investments to help improve the tax efficiency of the portfolio
Tailoring the risk and return profile of your portfolio to align with your risk tolerance level, your timeline and to improve your odds of reaching your goals
Using the financial planning process, risk questionnaires, conversations, and your preferences to identify the desired characteristics of your portfolio.
Identify the desired mix of stock market, bond market, real estate and cash exposure to best support (and stay within) the design parameters
Refine the portfolio allocation within each of the broad asset categories. The allocation among large, medium, and small companies, and between investment styles like ‘value’ and ‘growth’ are important factors. In the fixed income markets, credit quality, average weighted maturity, duration , and inflation protection must be considered. Weighting between domestic and foreign investments play an important role in how your portfolio performs
Assign investment categories among brokerage (taxable), tax deferred accounts (traditional IRA, company retirement plan, other tax advantaged accounts), and Roth IRA to help mitigate current and future erosion to income taxes
Identify securities - typically institutional mutual funds, exchange traded funds, and cash equivalents - to implement the investment plan. Emphasis is placed on cost structure, relative performance versus peer group, consistency in asset class representation, and other factors