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16011 Abana Court, Ramona, CA 92065-4648

760-239-0200
paul.firth@lpl.com
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Our Process:
Creating An All-Weather Portfolio

Client Centered

The investment world can throw out numerous challenges at any time. A significant downturn in the market can spell trouble for many investors, which is why we do everything possible to ensure that our clients can weather the inevitable storms that come our way.    

By including a full menu of investment options within client portfolios, we help our clients find success in investing no matter what happens in the markets. This means a portfolio built with a diverse set of investments. Companies and asset classes that include short term cash instruments, stocks, bonds, real estate, precious metals, and commodities.

Our Six-Step Process

Our detailed, six-step process gives us the opportunity to understand your needs and tailor a custom plan that provide the services needed and a roadmap to track our progress and results.

These steps include:

1. Determine Financial Goals, Assess Financial Nees, Uncover Problems

The first step in building an investment strategy is to identify your goals and have a frank and open dialog about the financial concerns you have.

2. Establish Tolerance for Risk

Discussing your individual preferences and investment time horizon in order to determine your tolerance for risk and market volatility.

3. Analyze Current Portfolio

We examine your current portfolio, including savings and investment accounts, employer retirement plans, and existing insurance to determine if your assets are positioned properly in light of your specific goals, time horizons and appetite for risk.

4. Education & Understanding

We make sure that you have an understanding of the Capital Markets and how various investments work together in both correlated and non-correlated ways to help you achieve your goals. Before making any recommendations, we will discuss the risks and rewards so you can make ongoing informed decisions.

5. Implement Portfolio Changes

If needed, we may in fact propose changes in the design of your existing portfolio to better align with your goals and time horizon – and help to minimize your tax exposure.  In other cases, we may simply be building upon the work you and your family have already begun.

6. Ongoing Portfolio Reviews

At regular intervals (that meet your schedule), we will engage in a Quality Review session to discuss your investments and compare them to relevant benchmarks to make sure  your expectations are being met.

Looking to Learn More? Contact Us Today!

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