As in Exercise, Portfolio Selection and Management Should Be Intentional and With Purpose

Fashioning and Molding a Portfolio Should Be Unique For the Client With Their Goals in Mind

The Ingredients of a Portfolio Should Be Purposeful and Most Importantly Transparent

Investment Management Should NOT Follow the Ways of the Past of Buy and Hold

If and When the Financial Landscapes Change So Too Should Your Portfolio as Many Factors Can Offset the Effectiveness of Returns

Practicing Both a Tactical and Strategic approach to Investment Management Assists in Knowing What May be Coming From Behind

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FAQ

Q

What is an investment adviser?

An investment adviser is an individual or a firm that is in the business of giving advice about securities to clients. For instance, individuals or firms that receive compensation for giving advice on investing in stocks, bonds, mutual funds, or exchange traded funds are investment advisers. Some investment advisers manage portfolios of securities.

Q

What is the difference between an investment adviser and a financial planner?

Most financial planners are investment advisers, but not all investment advisers are financial planners. Some financial planners assess every aspect of your financial life—including saving, investments, insurance, taxes, retirement, and estate planning—and help you develop a detailed strategy or financial plan for meeting all your financial goals.

Others call themselves financial planners, but they may only be able to recommend that you invest in a narrow range of products, and sometimes products that aren't securities.
Before you hire any financial professional, you should know exactly what services you need, what services the professional can deliver, any limitations on what they can recommend, what services you're paying for, how much those services cost, and how the adviser or planner gets paid.

Q

What questions should I ask when choosing an investment adviser or financial planner?

Here are some of the questions you should always ask when hiring any financial professional:

  • What experience do you have, especially with people in my circumstances?
  • Where did you go to school? What is your recent employment history?
  • What licenses do you hold? Are you registered with the SEC, a state, or the Financial Industry Regulatory Authority (FINRA )?
  • What products and services do you offer?
  • Can you only recommend a limited number of products or services to me? If so, why?
  • How are you paid for your services? What is your usual hourly rate, flat fee, or commission?
  • Have you ever been disciplined by any government regulator for unethical or improper conduct or been sued by a client who was not happy with the work you did?
  • For registered investment advisers, will you send me a copy of both parts of your Form ADV?

Be sure to meet potential advisers "face to face" to make sure you get along. And remember: there are many types of individuals who can help you develop a personal financial plan and manage your hard–earned money. The most important thing is that you know your financial goals, have a plan in place, and check out the professional you chose with your securities regulator.

Blog

There is no getting around it—health insurance is complex and complicated. You have to have it and there is no one-size-fits-all solution. And, when your child is living with a special need it makes the whole process even more complicated. Finding in-network specialists, scheduling exams, and keeping track of copayments and deductibles can be exhausting.

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When Whole Life Insurance may be the Best Option

by Steven Lewis on Feb 22, 2017

For generations a debate has raged on over whether it’s best to buy whole life insurance or to buy term life insurance and “invest the difference”.  Proponents of each method are adamant in their positions and both offer sound reasoning in their answers.  But, for anyone to tell you which is best for you without knowing anything about you is tantamount to someone telling you which road to take

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What is Risk?

by Steven Lewis on Jan 8, 2015

Risk is critical and must be respected when it comes to managing equities within a portfolio.  One cannot rely solely on what is commonly known as 'diversification' to solve the problem.  The problem with the typical approach to diversifying a portfolio with bonds, U.S.

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