Objective Investment Advice...Helping You Make Better Investment Decisions

There are potentially hundreds of decisions you must make in order to build a solid portfolio, one that will benefit from market upswings and weather any downswings.

How do you decide whether to buy an individual stock, a mutual fund, treasuries, commodities, or just leave your money in your savings account?
What are the costs and tax implications of the investments you select?
Which types of investments should you hold in your retirement accounts instead of your brokerage accounts?
When is the right time to sell an investment?
How do you sort through the conflicting advice you read in magazines and on the Internet?

It’s enough to make your head spin. Some people handle it with an investment strategy of putting small amounts in many different investments to make sure they’ve covered all the bases. Others put the majority of their assets in one or two places rather than deal with yet another investment decision they’re not sure of. Does this sound familiar?

Given this complexity, many people want professional investment advice. But who is in the best position to offer you unbiased recommendations? Do you want someone advising you who is paid based on whether or not you purchase the investment he or she recommends?

Many people don’t understand what their investments are or what they should be doing. In a well-constructed portfolio, each investment should fulfill a specific function and should be appropriate for your unique situation. Your portfolio will work harder for you when it contains the investments and uses investment strategies that have been selected based on your needs. As fee-only financial advisors, we will provide you with the objective, unbiased investment recommendations you need to make the best investment decisions.

A Better Investment Strategy for Jerry

Jerry enjoyed investing. He read several financial publications and performed on-line research. He and his colleagues shared investment tips, and Jerry looked forward to calls from his stock broker. But Jerry was getting increasingly frustrated and feeling less confident. There was so much contradictory advice that it was taking too much time to keep track of his investments. His portfolio wasn’t performing the way he felt it should, and he was worried that if he lost again like he did in 2008, he wouldn’t be able to recover.

Jerry decided to get investment advice from Plans to Prosper, who first inventoried all of his investments. Because he knew diversification was important, Jerry had several accounts at different brokerage firms, plus his 401K. When his investments were analyzed, Jerry was surprised to learn that he wasn’t well-diversified at all. In fact, he came to understand that his brokers only advised Jerry on the investments they had purchased for him; no one was managing his overall portfolio. His Plans to Prosper advisor explained the unique functions of interest-earning, real estate, and equity investments and how properly balancing his portfolio could allow him to get a better overall return while reducing risk. Jerry was also surprised to learn that he was paying far more for his investments than he realized.

Jerry and his Plans to Prosper advisor spent a lot of time discussing Jerry’s goals and devising an appropriate investment strategy. Since Plans to Prosper, LLC is a fee-only fiduciary advisor (no product sales, no commissions), Jerry is now confident that the recommendations he is receiving are objective and in his best interests.

Jerry is now enjoying a successful investing experience.

Plans to Prosper will:

Thoroughly discuss your goals before making investment recommendations;
Look at all the financial risks you are taking before determining your appropriate level of investment risk;
Review all your accounts and determine not just the right asset allocation but also the right asset location;
Recommend the real estate exposure you need in order to achieve long-term financial stability;
Integrate tax planning with your investment strategy to produce a higher after-tax return.
Recommend cost-effective investment solutions using state-of-the-art portfolio design and trading to deliver the performance of capital markets.

Being an astute investor should not be a haphazard exercise. When your investments have been properly balanced, objectively chosen, and are regularly reviewed, you enjoy peace of mind and confidence in your future.

Would you worry less and be happier receiving objective investment advice? Contact us to discuss your goals, situation, and concerns. We’ll help you make the best investment decisions.

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