Investment Platform
Modern Portfolio Theory
Modern portfolio theory is the study of what mix of various asset classes and investments will produce the most consistent returns with the least amount of risk and volatility. With technology, we develop, analyze, and test model portfolios with different risk and return characteristics by using investments allocated in various sectors, such as large company growth, equity income, and international securities against specific market benchmarks and industry standards.
Philosophy & Foundation
With a focus on building financial independence and managing our client's wealth, we have obtained the experience, credentials, licenses, and registrations to specialize in our field. We have also created a compensation structure that allows us to work with our clients on a fee, commission, and combination basis. This flexibility allows us to work and design portfolios that are cost-effective, and potentially reduce expenses for our clients. Assets eligible for investment in portfolios are almost always publicly traded with a readily ascertainable market value. Our philosophy is to reduce the risk for clients portfolio by using a proven asset allocation and rebalancing process measured against customized performance benchmarks.
Expectations & Understanding
Just as you would interview us for a long-term relationship, we will interview you and evaluate the confidential information and questionnaires you provide to determine how to advise you with regard to your financially planning. This will also help us discover the best asset allocation to meet your particular goals, needs, time horizon, tax situation, and risk tolerance. If we understand your situation, goals, and objectives, we can help you stay the course when investment climate gets rough.
Mechanics
As a client of Financial Management, Inc., we will share with you our thoughts on investing, as well as our recommendations of asset allocation and asset categories for long-term investing. We will continue to monitor your investments to meet your changing needs. We will also review your portfolio and the specific investments to identify concentrations and exposure to sectors and asset classes. When we give recommendations, they will pay particular attention to expenses, tax consequences, rebalancing, and allocation. Our analysis includes fundamental and technical analysis utilizing financial periodicals, research reports, corporate rating services, web-based services, etc.
Securities and financial planning offered through LPL Financial, member of Securities Investor Protection Corporation (SIPC). For an explanatory brochure, please visit SIPC.org. LPL Financial is also a member of FINRA and An Investment Advisor.
