Wealth Management And Asset Allocation Strategies

Our approach to asset allocation and investment planning focuses on developing strategies that seek to help you:

• Meet income needs over time
• Manage risk in line with your goals and time horizon
• Generate growth to outpace inflation

As independent advisors, we have access to a full array of non-proprietary financial products and services as we work with you to help ensure that your assets are strategically allocated, diversified and managed.

Your Personal Investment Policy And Plan

An investment policy is a roadmap to help guide your portfolio management decisions, both now and in the future. An investment policy statement outlines an investor’s circumstances, including their objectives and constraints, risk tolerance, goals for return, time horizon, liquidity needs, funds available for investment, and the investment methodology to be followed. It is a set of guidelines that we use to help you and your family members work toward your investment objectives. We use the following steps to create an investment policy tailored to your needs:

• Establish long-term goals and objectives
• Define your investment time horizon
• Determine your risk profile
• Establish an expected rate of return
• Develop asset allocation guidelines
• Document an investment methodology

An Emphasis On Due Diligence

LPL Financial’s open-architecture investment platform and stringent due diligence provide us with access to a wide array of top industry talent to rely on when constructing your portfolio. The LPL Research Team employs a strict, highly-disciplined investment manager screening process that results in a recommended list of select, industry-leading portfolio account managers. Managers on the recommended list must continue to meet strict criteria over time to remain on the list. 

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. Asset allocation does not ensure a profit or protect against loss. No strategy assures success or protects against loss.