We provide our integrated clients in our Roswell GA, Gainesville FL and Jacksonville FL offices with full investment management services. This service entails us completing all of the paperwork, trades and transactions required for clients’ accounts along with monitoring and periodic rebalancing of the accounts. Our investment management services are tailored specifically to each client’s goals and risk tolerance profile. There is no one size fits all when it comes to planning for the future. When making changes to an investment account’s allocation, we send out an investment policy statement that details the new investments in their account.
We also provide recommendations for employee benefit accounts that we cannot manage and help clients to implement our recommendations in those accounts.
We give every client a risk tolerance questionnaire to help us better gauge how we should invest their money to fit their preferences. Each client’s risk score is also updated every few years to ensure that our allocations still fit the client’s risk profile.
What do we consider when making recommendations?
- Risk Tolerance – Each client has a different tolerance for risk, we build account allocations based on the client’s risk tolerance score.
- Timeline – In the case of retirement, we generally recommend a more conservative portfolio as the client gets closer to retiring. This is the same with other goals, as a client approaches the time that they plan to reach a goal, we generally recommend less risk.
What do we invest in?
- ETFs (Exchange Traded Funds) – For most clients, we generally recommend investing in ETFs instead of individual stocks and bonds because they provide exposure to more diversity and spread risk across several companies at a low cost.
- Passive index funds – We typically recommend investing in passively managed funds because of their lower cost as compared to actively managed ones.
- Vanguard Core ETFs – We like to stick to the core Vanguard funds. The Vanguard Total US Stock Index (VTI), Vanguard Total International Stock Index (VXUS) and Vanguard Total Bond Market Index (BND) are most commonly used in the accounts we manage because of their low cost and broad exposure to a variety of sectors.
