What is your investment philosophy?

Do you have a well-defined investment philosophy?  Is your philosophy grounded in academically proven research, or is it influenced by recent events, the media, or individuals promoting an investment product?

With the objective of helping clients achieve their long term financial goals, we structure client portfolios utilizing the following guiding principals:

• The financial planning process helps identify measurable investment objectives and should be the cornerstone of any long term investment strategy. 

• The asset allocation (stock/bond mix) is the single most important factor when deciding on an appropriate investment strategy.  The asset allocation dictates both the risk assumed, as well as long-term portfolio returns.

•  Portfolio diversification is a critical component of sound investing.  Structuring a portfolio with broad-based exposure to both domestic and foreign investments can help smooth the ride as economic conditions vary globally.

• “Frictional” costs like commissions, mutual fund expenses and tax costs should be minimized.  Doing so, will maximize total returns over time.

At Beacon Financial Strategies, we adhere to an investment philosophy that has been academically proven and is grounded in client-specific financial planning.  Investment portfolios are broadly diversified, tax-efficient and structured with each client’s risk profile in mind.  We believe structuring a portfolio using those parameters, will provide the highest probability of investment success.