Investment Account Management

 

The financial industry has often promoted investment and insurance products without the full understanding of the individual’s unique situation. Our team is positioned well to invest with intentionality, having your needs and goals constantly in mind.

 

Financial Strategies

Our comprehensive financial planning background, matched with our in-depth knowledge of the wide range of financial tools available, allows us to approach implementation more holistically. We often combine multiple strategies for a situation that seek the best fit for the individual financial plan, rather than leading with a pre-determined outcome.

 

Account Type

There can be significant confusion regarding investment account types, especially if you are just beginning your financial journey. Here is a list of account types:

  • 401(k)

  • 403(b)

  • TSP

  • 457

  • SEP

  • SIMPLE IRA

  • Solo 401(k)

  • Traditional IRA, Roth IRA, & Rollover IRA

  • Individual, Joint, & Trust Investment Accounts

  • Unified Managed Accounts (UMA’s)

  • 529 College Savings Plans (and 529 ABLE) and Coverdell Education Savings Accounts

We help to bring clarity to the tax treatment and appropriate uses for each of these various account types, including any challenges or potential restrictions that need to be considered in regards to individual situation and goals.

 

Appropriate Investments

Once the account type is determined, we then help assess the appropriate mix of investments. Investment options could include:

  • Mutual funds

  • Exchange-traded funds (ETF's) & Individual securities

  • Alternative Investments

  • Fixed income investments & savings options

  • Variable, fixed, indexed or registered index-linked annuities

We have a wide range of planning tools, that we use to craft portfolios for our clients, that are customized to match up with risk tolerance and goal objectives and can combine passive and active management as appropriate.

 

Sound Investment Strategy

Along with selecting the correct account type, and the investments inside, we work with our clients to be a sounding board through the ups and downs of market cycles and help them practice sound, timeless investment principles, such as:

  • Extensive Global Diversification

  • Asset Allocation based on Goals and Risk Tolerance

  • Periodic Rebalancing

  • Maintaining Discipline to the Long-Term Plan


 

Risk Management

There are a wide range of financial solutions designed to help address the risks that could otherwise derail even the most carefully crafted financial plan. Learn more about our insurance plans that help address these risks here: Insurance

There are also risk management tools connected with investments that can help to limit the impacts of market declines when appropriate, such as options and other hedging strategies. Annuities, Social Security, and other types of pension income can also be coordinated to protect against the impact of a longer than expected life that might otherwise diminish assets.