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Wealth Accumulation

Wealth accumulation planning addresses your investment needs, focusing on the effective allocation of your assets according to your goals and risk tolerance:

Asset Allocation: Asset allocation is the process of distributing your investments across a variety of asset categories. Our goal is to create a balance of potential risk and return that meets your goals and is comfortable for you. We’ll develop integrated strategies that address:

  • Portfolio optimization
  • Risk analysis
  • Tax planning
  • Your investment policy statement

Basic Needs: To plan wisely, we’ll focus on your basic financial needs and create a plan to fulfill your lifestyle desires—what you seek to accomplish with your assets. We’ll discuss and evaluate your needs for:

  • Cash flow
  • Education funds
  • Eldercare planning
  • Emergency funds
  • Homes and mortgages
  • Insurance protection
  • Retirement savings
  • Savings and investments

Basic Securities Traditional Investments: A key step in accumulation planning is to choose the right mix of basic securities, which include:

  • Stocks
  • Bonds
  • Mutual funds
  • Exchange-traded funds (ETFs)
  • Index funds

Alternative Investments: Alternative investments have historically reacted differently to market volatility than traditional investments. This ability to provide diversification* is one reason we may consider including some of the following in your portfolio:

  • Commodities
  • Hedge funds
  • Infrastructure
  • Oil and gas
  • Private credit
  • Private equity
  • Real estate

Solutions for Special Situations: Your financial position may require specialized planning to help you take advantage of the following:

  • Stock options
  • Concentrated equity positions
  • Employee benefits
  • Employee stock ownership plans (ESOPs) 
  • 1031 exchanges
  • Option income strategies
  • Margin strategies

* Diversification does not assure a profit or protect against a loss during a market decline.

Investments are subject to risk, including the loss of principal. Some investments are not suitable for all investors, and there is no guarantee that any investing goal will be met. Past performance is no guarantee of future results. Talk to your financial advisor before making any investing decisions.