A Portfolio Built Around You 

We use a measured process to build your portfolio to ensure it best fits with your goals, timeline, and investment preferences.

We begin by meeting with you to do a deep dive into your goals, future plans, and feelings about investing. Together, we’ll determine which risk profile and objectives fit your needs based on what you want to accomplish and when.

There are five primary investment objectives we use. We’ll select which one is most appropriate for you based on your investment goals and timeline.

• Aggressive Growth: Your primary goal is to grow your account size as much as possible. To help you address this goal, we’ll use investments that have the possibility for high returns. However, potentially higher rewards come with potentially higher risk, so this type of portfolio has a high level of risk
•  Growth: Your primary goal is to grow the account size over the long term. To help you address this goal, we’ll use investments that have the potential for good returns. To accomplish this, the investments we use will also be more risky, but less risky than those we’d select for an aggressive growth portfolio. This type of portfolio generally has higher than average risk.  
• Growth with Income: Your primary goal is to modestly grow your account size, but not at the expense of risking larger losses. This generally means we’ll select investments expected to have average returns and losses.
• Income with Moderate Growth: Your primary goal is largely to preserve your existing funds, while continuing to slowly grow them for the future. This means we’ll select less risky investments, which are expected to have lower returns, but also fewer potential losses.
• Income with Capital Preservation: Your primary goal is to preserve your existing funds. This means we’ll select the least risky investment types, which are likely to have lower returns, but less likely to have large losses.

There’s no guarantee that the portfolios will achieve their stated investment objectives. All investing involves risk including loss of principal. No strategy assures success or protects against loss. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

Why we use this approach

This approach allows us to design a set number of portfolios, each for a specific investment objective. By doing so, we’re able to put our most robust ideas and efforts into the portfolios. This allows us to work from a smaller set of what we consider to be strong investments that we know very well, giving us the time and capacity to dive deep into each portfolio and the individual investments.

Portfolio Construction Process

1. Determine portfolio allocations

We create asset allocations designed to work toward each investment objective. As part of this process, we determine:

• If the portfolio will use passive and/or active investments: whether or not the underlying investments are more static or actively traded.

• If we’ll manage the portfolio strategically with a long-term view or more tactically with a shorter-term time horizon: strategic portfolios are often traded less often, while tactical portfolios are traded more often in response to market movements.

• How the portfolio will be diversified to help manage risk: balancing different investment types that don’t act the same to compensate for each other’s strengths and weaknesses.

The ultimate outcome of these decisions will result in the portfolio’s asset allocation.

2. Research and select investments

We’ll review the universe of products to determine which we’ll use in the portfolio to fill out the allocation. Because we partner with an independent firm, we have the freedom to select investments in our clients’ best interests.

We use a detailed approach to review the history, performance, and stability of the various funds. We have the ability to harvest detailed due diligence information from LPL Research, a 40-person research team who’s dedicated to providing timely resources and uncovering information about the current investment market.

This allows me to build diversified, appropriately balanced models using a variety of investment types, which match up with the investment objective risk ranges. Using this collective information, we select which funds to use and allocate them appropriately, based on the model’s goals and allocation strategy.

3. Design your investment strategy and portfolio

Based on your primary investment goals and objective, we put you into the model(s) most appropriate for your portfolio. Ongoing monitoring and review We’ll regularly review your strategy, as well as what’s happening with you, your life, and your goals, and make adjustments if needed. If your goals or risk tolerance change, we might put you into a portfolio with a different investment objective.

We’ll also regularly review the portfolio and allocation to ensure it’s working toward its investment objective as expected. If it’s not tracking as expected, we’ll make adjustments to the investments.

4. Ongoing monitoring and review

We'll regularly review your strategy, as well as what’s happening with you, your life, and your goals, and make adjustments if needed. If your goals or risk tolerance change, we might put you into a portfolio with a different investment objective. We’ll also regularly review the portfolio and allocation to ensure it’s working toward its investment objective as expected. If it’s not tracking as expected, we’ll make adjustments to the investments.