Investment Management

How do you feel when the stock market increases or decreases? For most people, this depends on their life stage. Someone nearing retirement is more concerned with market decline than someone just starting their working career. We call this your “tolerance for risk”.

Since everyone’s tolerance for risk is unique to them, we focus on asking the right questions to help you understand your tolerance for risk and what you can expect given different portfolio allocations and market environments.

Our clients’ assets are custodied, or held, at Charles Schwab and Co. Inc., one of the country’s most well-established, multinational financial services companies. We also leverage available industry resources, including third-party market and security research reports, to select appropriate securities that meet criteria regarding historic performance, yield, expense ratio, and risk.

Your portfolio’s asset allocation is based on four factors: your goals, investment horizon, tolerance for risk, and current financial situation.

Taxes shouldn’t be the primary driver of your investment strategy, but it makes sense to take advantage of opportunities to manage, defer, and reduce taxes. We help our client manage federal income taxes by considering the role of losses, the timing of investments, and investment selection.

Using tax-deferred accounts when appropriate can help keep more of your money invested and working for you until retirement.

Once your investment objective is determined, we actively monitor your accounts and execute trades on your behalf, as necessary. This allows us to react quickly in an everchanging market to keep your asset allocation aligned with your investment objectives.

WFA’s Client Portal is available for customized, easy access to daily account balances, portfolio allocations, and performance data for multiple time periods and dates, including overnight. The client portal is also available via mobile app for Android and Apple devices.