Each client has their own view of risk and investing. As a result, investing for a client requires understanding their risk tolerance. Once their risk tolerance is evaluated, the investment process may commence. The first objective is to identify a reasonable emergency fund based on individual monthly expenses, and invest that portion in low-risk and liquid investments. With the excess, based on the tolerance level, we will recommend a portfolio diversified in some combination of equities and/or fixed income investments. The objective is capital preservation with reasonable growth expectations, enabling a superior risk adjusted return through the application of mutual funds, stocks, bonds, exchange traded funds or separately managed accounts.
The investment philosophy will enable a diversified portfolio that will immunize against significant swings in certain markets.