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Wealth Management

Successful investing requires thorough research, sophisticated tools and techniques of financial analysis, the judgement that comes with experience, and most of all the time to devote to it. With today's busy lifestyles, even the most prepared can seldom find the time. This creates a source of worry that interferes with our enjoyment of the lives we are trying to create.

The process of investment management involves identifying your investment objectives, defining your time frames and tolerance for risk, analyzing your present holdings, developing an investment plan and asset allocation strategy, selecting appropriate investments, and continually monitoring and adjusting your portfolio as you progress towards your goals.

Forever Financial gains you access to many institutional investment opportunities not available to do-it-yourself investors. These include mutual funds with exceptionally talented managers, very low operating expenses, and waived loads and fees.

It is important to the success of any savings or investment program to start early, invest regularly, and be patient while your assets grow over a period of time. Your objectives may include college savings, buying a vacation home, going on a trip around the world, providing for a more comfortable retirement, or building assets for family or charitable gifting. Whatever your wishes may be, your advisor will review your investments, make suggestions, and consult with you regarding the performance of your portfolio and progress toward your investment goals.

  • Strategic investment management tailored to your risk tolerance and objectives

  • Diversification of assets to minimize risk and maximize returns

  • Ongoing monitoring and adjustments to your investment portfolio

  • Comprehensive financial planning to align your investments with your goals

  • Proactive strategies to mitigate taxes and preserve wealth

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Asset Allocation

Asset allocation is used to distribute your investable assets among a variety of investment categories. This process aims to: reduce overall investment risk, create more reliable investment forecasts, improve the risk/return tradeoff of your portfolio.

Research-Driven Investing

We subscribe to the Modern Portfolio Theory, as developed by Nobel prize winners Harry Markowitz, Merton Miller, and William Sharpe. This theory focuses on the overall risk-reward characteristics of portfolio construction, instead of merely compiling portfolios from securities that individually have attractive risk-reward characteristics.

The method is further enhanced by comparing risk and return to the theoretical risk-free rate of return, represented by U.S. Treasury Bills, and to overall market returns. This results in the inevitable conclusion that holding a broadly diversified portfolio yields the best combination of risk and reward.

We have a recent example of the benefits of this approach. In 2006-2008, many individual financial sector stocks looked like very good investments. Applying the mathematics of diversification, however, would have revealed that the strong correlation between these stocks made an overall portfolio of financial company stocks very risky. When the market fell, those fund managers which had overloaded on financial stocks were hit the hardest.

In keeping with this philosophy, we construct a portfolio for a client using funds that represent portions of the market, instead of relying on the ability of individual mutual fund managers to “pick” winning stocks. After discussing the goals for their investments, an asset allocation strategy is developed for each client. The total portfolio is allocated in specific amounts to individual asset classes, such as large company stocks, international stocks, bonds, and so forth. As the market shifts over time, we monitor changes in the asset allocation and rebalance, or adjust, the portfolio as necessary to make sure it continues to reflect the intended strategy.

While adhering to this strategy with the core of the portfolio, we do look for opportunities in less efficient segments of the market, such as emerging markets and small company stocks, where a more active approach makes sense. We also occasionally make tactical shifts in the overall asset allocation when market conditions are appropriate.

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Tax Planning

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