Investment Management

DIVERSIFICATION

ACHIEVING OPTIMAL RESULTS WITH MINIMAL RISK

Our primary goal as investment advisors is not to see how much money we can make for our clients by next week, or next month. We remain committed to the rationale that long-term investment success, and the ultimate accomplishment of your financial goals, is much more dependent on allocating your investments properly among the various classifications of stock and bond mutual funds, than it is on trying to select a single outstanding investment for the short-term, or attempting to time market peaks and valleys.

Even the most aggressive investors would be foolish to put all their money in one company's stock. We believe that for most investors, mutual funds offer a simple and efficient method of creating a diversified portfolio. Mutual funds allow you to diversify your investments within an asset class. Mutual fund managers pool the money of many investors to purchase an entire group or portfolio of investments. When you buy one share of a mutual fund, you are indirectly buying a small percentage of each investment owned by the fund.

Each mutual fund has a specific, stated objective, such as Aggressive Growth, Growth and Income, or Value. Some funds invest in a particular industry, such as technology or healthcare. Still others invest only in international markets. Our financial advisors can help guide you through the mutual fund types and offerings that are suitable and logical considering your individual financial situation.

By using tools such as Modern Portfolio Theory statistics and probability analysis, we provide consistent investment allocation models with acceptable risk/reward trade offs, tailored specifically to each client's portfolio.

BUILDING YOUR INVESTMENT PORTFOLIO

The single most important factor in determining your investment results is not which individual stocks, bonds or mutual funds you choose, but how you spread your wealth across the many different types of assets. By diversifying your investments among different securities and different asset classes, you lower your investment risk by reducing the effect a downturn in one security or market has on your overall portfolio.

An aggressive asset allocation approach would include a high percentage of stock mutual funds for maximum growth potential. A more conservative allocation will have a lower percentage of stock funds and a higher percentage in bond funds or cash assets.

There is no single portfolio for everyone. Your asset allocation is based on four factors: goals, horizon, risk tolerance and financial situation - a set of conditions that are unique to you right now. As these conditions change, WFA will adjust your asset allocation. We can help you determine the most effective asset allocation to meet your financial goals.

PLEASE NOTE: There is no single portfolio for everyone. Your asset allocation is based on four factors: goals, horizon, risk tolerance and financial situation - a set of conditions that are unique to you right now.