Investment Planning
We develop a full range of investment portfolio models to match your level of comfort and needs. The following are some examples but we will customize a portfolio for you based on your unique situation. Various strategies include:
Growth Oriented Portfolios
Portfolios designed for investors whose objective is high long-term growth of principal.
The portfolio may maintain a small fixed income allocation to temper volatility. The portfolios are typically allocated 80% to 100% to domestic, international and emerging market stocks, up to 18% in domestic and international bonds and 2% in cash.
Generally, these portfolios are appropriate for investors who:
- Have an investment time horizon of nine or more years
- Can accept short-term volatility to achieve long-term growth
- Accept the likelihood of principal loss during market downturns
- Have a low need for income
- Wish to significantly outpace inflation over the long-term
- Seek the potential for high returns
Investment risks associated with international investing, in addition to other risks, include currency fluctuations, political and economic instability and differences in accounting standards. Investments in emerging markets involve heightened risks due to smaller size and decreased liquidity. Investments in fixed income securities are subject to interest rate risk and, as such, the net asset value of bond and real estate funds will fall as interest rates rise.
Moderate and Balanced Portfolios
Portfolios designed for investors whose objectives are balanced between modest long-term growth of principal and income.
The portfolio will usually maintain a substantial fixed income allocation. The portfolios are typically allocated 40% to 60% to domestic and international stocks, up to 60% in domestic and international bonds and 2% in cash.
Generally, these portfolios are appropriate for investors who:
- Have an investment time horizon of five or more years
- Are moderately risk-tolerant or risk adverse
- Can accept modest portfolio fluctuations during market downturns
- Can accept short-term volatility to achieve long-term growth
- Seek a long-term rate of return that moderately outpaces inflation
- Accept the possibility of principal loss during market downturns
- May have a need for income
Investment risks associated with international investing, in addition to other risks, include currency fluctuations, political and economic instability and differences in accounting standards. Investments in fixed income securities are subject to interest rate risk and, as such, the net asset value of bond and real estate funds will fall as interest rates rise.
Income or Capital Appreciation Focused Portfolios
Portfolios designed for investors whose objectives are income or plan to liquidate a substantial portion of their portfolio within the next three years.
The portfolio will usually maintain a substantial fixed income allocation. The portfolios are typically allocated up to 20% to domestic and international stocks, at least 70% fixed income and at least 10% in cash.
Generally, these portfolios are appropriate for investors who:
- Have a short investment time horizon of three years or less
- Must protect principal from loss
- Are risk adverse
- Can accept minimal portfolio fluctuations during market downturns
- Rely on portfolio interest and principal for current income
Investment risks associated with international investing, in addition to other risks, include currency fluctuations, political and economic instability and differences in accounting standards. Investments in fixed income securities are subject to interest rate risk and, as such, the net asset value of bond and real estate funds will fall as interest rates rise.
Moderate and Balanced Portfolios
Portfolios designed for investors whose objectives are balanced between modest long-term growth of principal and income. The portfolio will maintain a substantial fixed income allocation. The portfolios are typically allocated 40% to 60% to domestic and international stocks, up to 60% in domestic and international bonds and 2% in cash.
Generally, these portfolios are appropriate for investors who:
- Have an investment time horizon of five or more years
- Are moderately risk-tolerant or risk adverse
- Can accept modest portfolio fluctuations during market downturns
- Can accept short-term volatility to achieve long-term growth
- Seek a long-term rate of return that moderately outpaces inflation
- Accept the possibility of principal loss during market downturns
- May have a need for income
Investment risks associated with international investing, in addition to other risks, include currency flucuations, political and economic instability and differences in accounting standards. Investments in fixed income securities are subject to interest rate risk and, as such, the net asset value of bond and real estate funds will fall as interest rates rise.
Tax Focused Portfolios
Portfolios designed for investors whose individual tax situation merits tax sensitive investment strategies. The portfolio will maintain a substantial fixed income allocation that offers tax free interest, low turnover stocks and may use a combination of features to minimize taxes such as:
- Tax-Lot Accounting
- Offset gains and losses – matching gains with losses at year end
- Tax Aware Trading – expected returns consider tax consequences
- Loss Harvesting – capture losses in portfolio on proactive basis
- Manage conversion costs – existing holdings are incorporated into portfolio to minimize tax transition costs
This information is a general discussion of the relevant tax laws. It is not intended for, nor can it be used by any taxpayer for the purpose of avoiding federal tax penalties. This information is provided to support the promotion or marketing of ideas that may benefit a taxpayer. Taxpayers should seek the advice of their own tax and legal advisors regarding any tax and legal issues applicable to their specific circumstances.