Our Services
Preservation Strategies
All investment strategies should start with a solid foundation of safety-based assets so that no matter what storms come along in the market you have money you can count on. When using these types of instruments, the objective isn’t to beat the stock market, but to beat the banks and other safety-based investment options. In other words, our goal is to get the best rate of return possible without putting your hard-earned money at risk.
Fixed Indexed Annuities
With a FIA you participate in a portion of the gains in the market without participating in any of the downside. This tool is ideal for people with a desire to protect their money from loss, yet still have access to market gains along the way.
MYGA / CD Equivalent
A MYGA is similar to a CD at a bank, it has a stated rate of return for a stated period of time. These strategies typically have a higher rate of return and more liquidity than the banks can offer. This is ideal for the person who wants to know in advance what their rate of return is going to be and takes comfort in knowing exactly what will be in their accounts down the road.
Growth Strategies
While having safety is important, it is ok to have money at risk as well. With risk-based investing the objective is to try to achieve a higher overall rate of return, knowing that you’ll get some negatives along the way. But when investing, it’s important not to take “naked risk” where you get all the gains of the market in addition to all of the losses. Instead, we want to take “limited risk” where we’ve put a safety net underneath the portfolio. If the market starts to crash, we want systems that automatically reduce or eliminate our exposure to the market. When the market’s going up, we want these same systems to put us back into the market and get out of the way.
It’s equally important not to get in and out of the market based on emotion. You need to have a plan in place, and you need to follow the plan. For this, we utilize complex algorithmic systems that determine when we should be in or out of the market. We don’t trade on emotion; we trade on the math. And the beautiful thing about it is that it’s all automatic, there’s nothing you need to do!
Comprehensive Management
Any good financial plan should include both safety and risk-based assets, but just as important as the types of assets that you use is making sure those assets are custom-tailored to you in your personal situation. Ensuring that your assets are strategically positioned for your intended beneficiaries, while also safeguarding against estate taxes, probate, and unintended inheritances, can fortify your financial preparedness for any future challenges that may arise.
A comprehensive financial plan is more than the investments you pick. It should involve addressing your income, assets, and protection needs as well as making sure that the government stays out of your pocket as much as possible.
