Investment Management

“Predicting rain doesn’t count, building the ark does.”

—Warren Buffett

The WFA investment philosophy: Diversification

Stock market crashes exist specifically because they are unexpected and trying to predict and time the next crash is rather futile. Diversification has historically been proven to help weather the market’s inevitable ups and downs; helping your portfolio endure, not predict, stock market downturns.

We believe long-term investment success depends on allocating your investments efficiently among various classifications of stock and bond mutual funds, as well as Exchange Traded Funds (ETFs).

By using tools such as Modern Portfolio Theory statistics and probability analysis, we provide consistent investment allocation models with acceptable risk/reward trade-offs that are tailored specifically to your portfolio.

How WFA’s investment management services can benefit you.

Understand your tolerance for risk
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.

Focus on the right securities for you
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.

Maximize tax efficiency
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.

Keep your investment strategy on track

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.

Questions We Can Help You Answer

  • What is the impact of a market decline on my portfolio?
  • What is an appropriate asset allocation for me?
  • What is a “diversified” portfolio?
  • What investment changes should I make now that I am retired?
  • What is an annuity and is it right for me?

Certified Financial Experts™

At WFA, you have access to team of professionals including SEC-Registered Investment Adviser Representatives, CERTIFIED FINANCIAL PLANNERS™, and Certified Public Accountants. These individuals provide investment management, tax planning, retirement planning, estate planning, and risk management services. Our financial advice considers your personal situation as a whole, so you can feel confident about your decisions.

Explore your options for investment management today

Investment management is just one aspect of the financial planning process. At WFA, it begins with a free consultation. During this meeting, we review your accounts, share how we can help, and identify opportunities for your investment strategy.


Learn more by scheduling a free consultation.

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