Investment planning and management

Estate and charitable planning

PROFESSIONAL MANAGEMENT

The superior returns of the stock market come with a price—periodic and painful market declines. The declines are painful because months and even years of stock market gains can be wiped out in a matter of days or weeks during a sharp market downturn. The time spent recovering from these declines can be significant.  In the past, the combination of sudden volatility and months upon months waiting to recover from bear market declines has discouraged many investors to the point that they largely gave up on stocks and returned the bulk of their serious investment money to the more predictable but significantly lower returns of bonds, CD's and money market funds. Doing this has made it difficult to produce the returns needed to achieve their long-term goals.

By using professional managers, and strategic money management programs, there is a mechanism to measure the potential risk vs. reward on a daily basis and make adjustments to the asset allocation as necessary. Using these programs in changing market environments allows the funds to be allocated for maximum growth at one time, and allocated defensively to preserve principle at other times. Being able to allocate assets to the proper place at the most opportune time is the key to managing risk and ensuring investment success in the volatile markets of today and tomorrow. 

The professional management fees are often deducted straight from the accounts themselves. Those fees for service generally range from 1.50% to 1.95% annually. The fees are normally deducted on a monthly or quarterly basis.  Many different programs are available to handle differing client risk tolerances.