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 trade-off of a person’s portfolio


Accumulation planning also involves the choice of securities for a person’s investment portfolio. Basic securities consist of stocks, bonds, 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.


*Asset allocation programs do not assure a profit or protect against loss in declining markets. No program can guarantee that any objective or goal will be achieved. Investing in alternative investments may not be suitable for all investors and involves special risks, such as risk associated with leveraging the investment, adverse market forces, regulatory changes, and illiquidity. There is no assurance that the investment objective will be attained. Investments are subject to risk, including the loss of principal. Because investment return and principal value fluctuate, shares may be worth more or less than their original value. Some investments are not suitable for all investors, and there is no guarantee that any investing goal will be met. Past performance is no guarantee of future results.