Investing should be easy – just buy low and sell high – but most of us have difficulty following that simple advice. There are principles and strategies that may enable you to put together an investment portfolio that reflects your risk tolerance, time horizon, and goals. Understanding these principles and strategies can help you avoid some of the pitfalls that snare some investors.
MarsJewett uses carefully developed models to create a mix of investments that help to maximize your potential returns for a given level of risk.
Successful asset management usually begins with the construction of a diversified portfolio of financial assets. While diversification may help reduce volatility and risk, it does not guarantee future performance. MarsJewett uses carefully developed models to create a mix of investments that help to maximize your potential returns for a given level of risk. We believe that establishing an appropriate balance of risk and reward in your portfolio is just as important as achieving competitive short-term returns.
Completing and presenting to you an individually tailored investment portfolio begins our team process of investment management. We then hold periodic meetings to review and update your plan as your family or business circumstances change. We are always available to you at any time to address your ongoing needs and adjust your plans accordingly.
OUR INVESTMENT PHILOSOPHY
A client-first approach
We strive to put our clients’ interests first in all we do by investing to meet the personalized goals of each client. Focusing on both risk and return, we allocate our portfolios based on a strategic long-term approach. We believe adhering to a disciplined, diversified investment strategy is the best way to reach your goals. Below is a guideline of how we walk clients through our investment process.
Gather Data (including goals)
We first seek to understand your financial situation by gathering qualitative and quantitative data. This includes understanding your goals, time horizon, risk tolerance, and behavioral responses to portfolio risk and return. Both your short and long-term goals are necessary for us to properly structure a portfolio unique to you.
After obtaining data, we evaluate your financial situation. Does your current portfolio match your goals? Are you taking too much risk? Is there an asset class or sector of the economy that you are over or under-exposed to? These are the types of questions we consider together.
Next, we determine your optimal asset allocation. We look at this from both an individual account perspective and an entire portfolio perspective. Your asset allocation is based on thorough research, the changing economic environment, and tax considerations.
We consider tax implications and expenses as we implement our collaborative strategy. We use proven portfolio managers who control costs and invest personally in their funds. As an independent firm, we have access to a wide range of companies while not having any proprietary products.
We review your investments, the economic environment, and the political landscape on a regular and consistent basis while making sure your investments continue to align with your goals. We consider portfolio rebalancing an important piece of a disciplined strategy.
OUR FIDUCIARY APPROACH
We take our responsibility as financial planners seriously.
As such, we use the following approach to ensure we are acting in your best interest and avoiding conflicts of interest:
- Get to know each client personally.
- Document client objectives, concerns, and aspirations.
- Use prudent experts and document due diligence.
- Diversify investments while carefully considering investment expenses.
- Regular monitoring of investments.
- Commitment to ongoing education in investment practices and industry laws/regulations.
Check out the PDF below on Why Tax Planning Matters. Please bring a copy of your most recent tax return to your next review meeting, and we can take it from there.
As the emergence of the spring weather reminds us to clear the clutter from the closets and spruce up the yard, our finances often need a spring cleaning, too. Perhaps no month is timelier for honing financial knowledge than April. Perched perfectly between the winter...
If you are interested in the new numbers affecting taxes, retirement contributions, health savings, Medicare, and more, please read our download the PDF below to have on hand.