We evaluate the diversification within our clients’ portfolios, and recommend ways to improve performance and lower costs. We provide guidance on all assets held by the client, including taxable funds, 401(k)s and IRAs, real estate, variable annuities and universal life insurance policies. Additionally, we determine an appropriate emergency fund for each client, and recommend investment opportunities for these funds.
Our active asset management philosophy incorporates no-load and no-transaction fee investments. We use analytical tools such as Modern Portfolio Theory (MPT) to develop a customized portfolio that represents the risk tolerance of each individual client. Our proprietary “Best Stocks, Best Funds” investment strategy provides a systematic method for identifying promising investment opportunities without paying the fees charged by top money managers. Additionally, our closely monitored “Sector Rotation” and “Tactical Momentum Allocation” strategies provide additional diversifying components to our clients’ portfolios and enables them to take advantage of major market swings.
You can download a free sample of The 20 Retirement Decisions You Need To Make Right Now, written by Net Worth Advisory Group’s founder, Ray LeVitre. This book will give you additional insight into how we manage retirement accounts and prepare you to make important investment decisions. Click here to download the sample: 20 Retirment Decisions You Need to Make Right Now.
A DALBAR study found that between 1992 and 2011, the S&P 500 averaged an annual rate of return of 7.81%. Over the same time period, the average equity investor obtained an annual rate of return of 3.49%.
The essence of investment management is the management of risks, not the management of returns.