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HOW WE MANAGE YOUR INVESTMENTS
Our investment philosophy centers around long-term, conservative money management. You can have peace of mind knowing your assets are prudently managed.
A Portfolio to Meet Your Unique Needs
Before we begin to create your investment plan, we carefully listen to you so we can understand your financial concerns and objectives. Based on your goals and risk tolerance, we then formulate an intelligent investment strategy.
Our Asset Allocation Discipline
We allocate your investments across various asset classes (stocks, bonds, and cash) and investment styles (large cap value, international) to reduce the volatility of your returns. Meeting your objectives with the least amount of risk is our goal.
Our approach is to build your investment portfolio with low cost index mutual funds and then selectively add actively managed mutual funds. All mutual funds are carefully screened and have excellent past performance and management track records. In addition to our own in house research, we use a reputable third party research team. Our research team's objective is to find those mutual fund managers who will beat their industry benchmarks and add value to your account.
Institutional Mutual Funds
Many of the mutual funds we select are not available to individuals investing on their own. These "institutional" funds have very low expenses. The long term savings on these funds can be considerable.
Institutional Account With Charles Schwab
Your accounts are held directly in your name with the Institutional Group at Charles Schwab & Co. Inc. You get the best of two worlds, the clout and capabilities of a huge firm like Charles Schwab and the service and sensibilities of our firm. We custody your assets at Schwab, but we are completely independent of them and receive no compensation from them or any mutual fund family.
Personal Investment Performance Reports
You receive monthly brokerage statements from Schwab. On a quarterly basis, you receive a personalized portfolio report from Financial Planning Office. Our reports are easy to read and understand and show you the portfolio's true rate of return, net of all fees. Throughout the year, you also receive concise market commentary and financial planning newsletters.
Over the years you have done well. You are successful today because of your skill and hard work. Making a success of your investments requires the same commitment. Yet, you many not have the time, the resources, or even the inclination to give your portfolio the attention it deserves. Now may be the time to let Financial Planning Office bring their in-depth research, thorough analysis, and constant supervision to your investments.
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