Investment Management

Accumulation planning addresses an individual’s investment needs, asset allocation, and the suitability of different types of securities in light of a person’s goals and risk tolerance. In addition, asset allocation is used to distribute a person’s investable assets among a variety of investment categories. This process aims to:

  • Reduce overall investment risk
  • Create more reliable investment forecasts
  • Improve the risk and return tradeoff of a person’s portfolio

Accumulation planning also involves the choice of securities for a person’s investment portfolio. Basic securities consist of stocksbonds, and mutual funds, but separately managed accounts, option strategies, short-term assets, and annuities also may be used to optimize a person’s portfolio. Alternative investments are another option depending upon the investor. These include managed futures, hedge funds, oil and gas, tax shelters, and real estate, but it should be noted that these products generally involve substantial risk and limited liquidity. 

Some situations, usually pertaining to employer-related retirement plans and stock options, margin strategies, and real estate exchanges, require different expertise than typical stock and bond portfolio implementation. Most investors understand that as risk increases, the potential for return also increases. But for every individual, there is a point at which the level of risk is not worth the potential return. When you work with us on investment planning, our main goal for asset allocation is to provide you with the risk and return scenario that is most comfortable for you.