A Personal Approach to Goal-Based Investing

What are your financial goals?  Most likely each of your goals have different time horizons.  The year you plan to retire may be several years away but saving for a child’s college education or a second home may be closer on the horizon. We’ll design the best investment strategies to meet each of your goals.

How much risk is necessary in your portfolio to meet you & your stated goals? How much risk are you willing to take? What does this mean in dollar terms?

Predictable Cash Flow

How much cash are you earning from predictable and secure cash flow? From your investments? From your Social Security, Pensions, Annuities, Real Estate, or Business? How does this compare to your discretionary versus non discretionary expenses?

Investments include but are not limited to:

Stocks • Bonds • Mutual Funds • Exchange Traded Funds • Certificates of Deposit • Alternative Investments • Private Equity • Pre- IPO Equity • Real Estate Investment Trust Structured Notes •

 

Asset Allocation Planning

Asset allocation is the process of selecting a mix of asset classes that closely matches an investor’s financial profile in terms of their investment preferences and tolerance for risk.  It is based on the premise that the different asset classes have varying cycles of performance, and that by investing in multiple classes, the overall investment returns will be more stable and less susceptible to adverse movements in any one class.

Short Term Volatility is Not Uncommon

The average intra-year decline of the S&P 500 going back 35 years has been 13%. A 10% –15% correction in the S&P 500 is not uncommon in any given year. 
This chart shows that the S&P has finished with a positive return over 75% of the time since 1980 even with intra-year lows being well negative in many occasions.