We take a holistic approach to investing your wealth, keeping in mind your current situation as well as your short- and long-term needs and goals. An overall asset allocation helps to take advantage of the market's ups and downs, while each separate account may have a different individual objective depending on its tax status and time horizon.
Our first step is to evaluate your current position and then define your needs, wants, and goals, both immediate and for the future. We then perform a risk analysis, using an award winning technology that mathematically pinpoints your comfort with and ability to absorb market fluctuations. The resulting Risk Number establishes a baseline level of market volatility you can tolerate and helps us establish an asset allocation portfolio that aligns with your investment goals. Next, leveraging the insight of LPL Financial's independent research department, we select investment products that we believe are appropriate for your needs and provide optimal opportunity to reach your goals.
We then meet with you throughout the year to review your portfolio and your situation. Life changes, and your investments should reflect those changes. We will rebalance your funds to meet your asset allocation, or make changes to the allocation itself as necessary. Our goal is to always be helping you to reach your goals.
Investing involves risks including possible loss of principal. No investment strategy or risk management technique, including asset allocation, can guarantee return or eliminate risk in all market environments. Rebalancing a portfolio may cause investors to incur tax liabilities and/or transaction costs and does not assure a profit or protect against a loss.