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We look for time-tested, diversified investment strategies that balance long-term, upside potential with downside protection.
For more than 40 years we have served our clients by adhering to this philosophy, even during a decade of unmatched financial market volatility. Financial Planning Resources carefully considers your risk tolerance and investment goals, so you are comfortable with your investments.
Whether you invest in mutual funds or stocks depends on three factors:
First, you must decide how much risk you can tolerate versus how much return you want or need. If you want a higher return, then you must accept a higher risk.
It also depends on how much time you have to research your investments, or whether you pay someone to do the heavy lifting.
The third factor is what type of fees and expenses you are willing to endure. If you plan to buy and hold, you don't want annual fees. You also will need to consider the various tax implications.
A managed account is an investment account owned by a single investor and overseen by a professional money manager hired by that investor. (A six-figure amount is often required as a minimum investment in order to manage accounts and be compensated.)
Structured Products are an investment vehicle built by a large bank. They are backed by the strength of the bank and sometimes come with FDIC insurance. These vehicles are used for enhanced growth, greater income, protection, or a combination of the factors.
These are financial assets that do not fall into one of the conventional investment categories. Conventional categories include stocks, bonds, and cash. Most alternative investment assets are held by institutional investors or accredited, high-net-worth individuals because of their complex nature, lack of regulation, and degree of risk.
Alternative investments include: private equity or venture capital, managed futures, art and antiques, commodities, and derivatives contracts. (Real estate can also often be classified as an alternative investment.)
Investment Strategies for Retirement
Retirement Income and the Traditional Portfolio
A Taxing Story: Capital Gains and Losses