One size does not fit all. We want to know all about you, your family, your dreams and your expectations. This process is critical in that it helps us determine a level of risk/reward that will you on track to realize your goals with a level of risk that won’t keep you awake at night.
While the portfolios we manage are very similar in holdings, the allocation of these holdings varies substantially. Retired and more risk averse investors will carry more cash and bonds in their portfolios. Those comfortable with more risk will carry a greater allocation of stocks and, potentially, earn higher rates of return. The pie chart below shows a simplified approximation (for illustrative purposes only) of this process.