Investment Planning

Investment PlanningAs financial planning experts we think it is important for investors to identify and prioritize financial goals throughout life. Investment planning is critical because it helps you to derive the maximum benefit from each investment.

The four prime criteria of evaluating any investment option are liquidity, risk, level of return, and time horizon.

We believe it is important for investment decisions to be made within the framework of a clearly defined investment philosophy, using disciplined and consistently applied investment management processes. Our conservative investment philosophy is based upon Strategic Asset Allocation. Each person’s return requirement, risk tolerance and investment time horizon should be assessed during the planning process to determine the appropriate asset allocation. The primary objective is to minimize risk first, then to achieve a reasonable rate of return within the given risk parameters.

If you’d like to get a Second Opinion about your current financial plan, contact us using our Online Contact Form, or give us a call: (503) 291-1313.

Investment Planning means putting the ideal money to work to earn more money. Done wisely, it can help investors meet their financial goals. Investing even a small amount can produce considerable rewards over the long-term, especially if you do it regularly. Here are some of the areas that should be addressed:

  • Analysis of Risk/Volatility Tolerance: How much change, up or down, can you withstand? How about your spouse/partner? Investments, by their nature, involve varying degrees of what is known as risk. A financial planner can provide ways for you to determine your comfort level with the changes that occur, as well as that of your spouse/partner, to ensure that the recommendations being made are suitable for your peace of mind, as well as your goals.
  • Diversification of Your Portfolio: It is important to review all of your investments, including real estate and the retirement plans available through your employer to achieve the greatest amount of diversification possible that suits your goals, needs, and sensitivity to volatility. As you make adjustments in other areas of your life, your financial planner should work with you to ensure that the investments you hold remain in balance with those adjusted goals or changes to other investments.
  • Monitoring of Your Portfolio and Communication: Does your financial planner carefully watch your portfolio for you and stay in regular communication with you about changes in the market, fund management, and your personal portfolio? They should.
  • Time Horizon-Related Changes: As you move closer to your individual goals, including the ultimate goal of Financial Independence, your financial planner should recommend portfolio changes based on the changes in your time horizon. In general, the closer you move to a specific goal, the less risk you want to take in the funds allocated toward that goal.

If you are interested in getting a Second Opinion about your current financial plan, call us at (503) 291-1313, or use our Online Contact Form to schedule a complimentary, no obligation introductory meeting.

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