Accumulation planning addresses an individual’s investment needs, tactical account management, and the suitability of different types of securities in light of your goals and risk tolerance.

In today’s world, there are common needs and desires people seek to accomplish. To protect their ability to earn and accumulate wealth, many people choose to hold insurance, as well as maintain an emergency fund, to guard against depleting savings that are intended for other goals.

A Tactical Investment Process is used to manage portfolios, including advising on company retirement plan assets through our Wealth Management Consulting program. We do not practice a "Buy and Hold" investment philosophy. This tactical process will:

  • Reduce overall investment risk by incorporating a "Sell Side" discipline thereby avoiding large stock exposure in bear markets
  • Allow for incorporating strong relative strength investments in the appropriate amounts
  • Improve the risk/return tradeoff of your portfolio by understanding that there are times to be on "offense" and "defense" and adjust accordingly

Accumulation planning also involves the choice of securities for your investment portfolio. Basic securities utilized are exchange traded funds, mutual funds, and individual stocks and bonds as appropriate.

Alternative investments may also be an option for the right investor. One of the premier benefits of alternative investments is diversification, resulting from the inclusion of investments that react differently to the markets than more traditional investments. Managed futures, hedge funds, oil and gas, tax shelters, and real estate are all examples of alternative investments. These products generally involve substantial risk and limited liquidity.

Some situations require different expertise than typical stock and bond portfolio implementation. These situations usually pertain to employer-related retirement plans and stock options, margin strategies, and real estate exchanges.

Most investors understand that as risk increases, the potential for return also increases. But there is a point for every individual where the level of risk is not worth the potential return. The goal of our tactical investment process is to provide you with the risk/return scenario that is most comfortable for you.

Investing in alternative investments may not be suitable for all investors and involves special risks such as risk associated with leveraging the investment, potential adverse market forces, regulatory changes, and potential illiquidity.  There is no assurance that the investment objective will be attained. Investors must meet specific suitability standards and understand these investments are for a long-term investment horizon.