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By matching your investment objectives, available resources, and tolerance for risk we structure a personalized financial and investment strategy that works for you. Then, when your personal situation changes, economic conditions fluctuate, or tax laws are revised, we update and modify your financial strategy as appropriate. We develop a personalized, investment model, asset allocation based on the risk-tolerance level identified:
| VERY CONSERVATIVE |
Stocks: 20% Bonds: 40% Cash: 40%
Volatility: Least Return potential: Least
May be appropriate for: Very conservative investors who emphasize stability and current income, and require very little growth potential. |
| CONSERVATIVE |
Stocks: 30% Bonds: 45% Cash: 25%
Volatility: Low Return potential: Low
May be appropriate for: Income-oriented, conservative investors who are willing to accept only modest volatility and who seek only limited exposure to growth.
Objective Yield: 6-8% |
| MODERATE |
Stocks: 50% Bonds: 35% Cash: 15%
Volatility: Moderate Return potential: Moderate
This position may be appropriate for: middle-of-the-road investors seeking to balance moderate growth potential with lower-volatility income investments.
Objective Yield: 8-10% |
| AGGRESSIVE |
Stocks: 70% Bonds: 20% Cash: 10%
Volatility: High Return potential: High
May be appropriate for: Growth-oriented investors wanting to temper their exposure to stocks with a moderate position in less volatile securities.
Objective Yield: 10-19% |
| VERY AGGRESSIVE |
Stocks: 90% Bonds: 5% Cash: 5%
Volatility: Highest Return potential: Highest
May be appropriate for: Investors willing to assume short-term volatility to pursue maximum growth over time.
Objective Yield: 19+%
INTEGRAL Strategies For Your Financial Success |
We use asset modeling to build a portfolio of investments that are consistent with your financial goals and investment risk tolerance level.
- By initially focusing on a structured asset allocation methodology rather than individual investments, we can select overall investments with an eye towards avoiding the all-too-common problem of simply collecting investments because we thought they were a "good buy" at the time.
We buy non-commissioned securities such as no-load, no-transaction fee mutual funds (this avoids transaction fees and commissions) through Charles Schwab.
- By matching your investment objectives, available resources, and tolerance for risk we structure a personalized financial and investment strategy that works for you. Then, when your personal situation changes, economic conditions fluctuate, or tax laws are revised, we update and modify your financial strategy as appropriate.
- By initially focusing on a structured asset allocation methodology rather than individual investments, we can select overall investments with an eye towards avoiding the all-too-common problem of simply collecting investments because we thought they were a "good buy" at the time.
Our focus is being on the right side of current major economic, political, and social trends to decide what to buy, when to buy, and when to sell.
- Choosing specific investments is less important than being right about the long-term economic, political, and social trends. This includes shifting to investments appropriate for the prevailing economic environment. We are prepared to update and modify personal financial strategies as economic changes occur and trends shift.
- Assets are allocated and diversified based on your current phase in life, personal goals, and tolerance for financial risk.
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