IS YOUR CURRENT PORTFOLIO EFFICIENT?
We will analyze your current holdings and examine the impact of the inherent fees on your share of returns. This analysis is yours to keep and does not require you to have additional consultations or maintain an ongoing relationship with us.
HOW MUCH RISK SHOULD YOU BE TAKING?
We will determine your risk profile, which includes your capacity for risk and your tolerance for risk. These two risk dimensions are independent. Your risk tolerance is your emotional response to market volatility and is qualitative (although it is described by a relative numerical value). Your capacity for risk is quantitative and is determined by your financial situation (savings, income, time horizon, and other objective values). Even if your capacity for risk is extremely high, you may be more comfortable with a conservative portfolio. After all, the most important variable to consider is the likelihood of you sticking to your investment plan. If the volatility of a portfolio makes you anxious and uncomfortable, it isn’t the right one for you, regardless of your financial situation. As with the portfolio review, the risk assessment analysis is yours to keep and does not require you to have additional consultations or maintain an ongoing relationship with us.
Asset Allocation And Strategy Recommendation
WHAT IS YOUR APPROPRIATE ASSET ALLOCATION (equities vs bonds)?
We will determine your risk profile and recommend an asset allocation. You can implement the recommendations in this analysis yourself or take it to your current advisor. If structuring a portfolio yourself, we strongly recommend that you consider Vanguard index mutual funds. You can find out more about Vanguard here.