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Objective Investment Advice...Helping You Integrate Your Investments with Your Overall Goals

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 a fee-only financial advisor, I will provide you with the objective, unbiased investment recommendations you need to make the best investment decisions.

A Better Investment Strategy for Ed

Ed enjoyed investing. He read several financial publications and performed on-line research. He and his colleagues shared investment tips, and Ed looked forward to calls from his stock broker. But Ed 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 on tech stocks, he wouldn’t be able to recover.

Ed decided to get investment advice from a Cambridge Advisor, who first inventoried all of Ed’s investments. Because he knew diversification was important, Ed had several accounts at different brokerage firms. When his investments were analyzed, Ed was surprised to learn that he wasn’t well-diversified at all and that all the time spent tracking each fund and stock wasn’t accomplishing anything. Ed’s Cambridge Advisor explained to him 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.

Ed and his advisor spent a lot of time discussing Ed’s goals and devising an appropriate investment strategy. Since his Cambridge Advisor is a fee-only financial advisor (no product sales, no commissions), Ed is confident that his advisor’s recommendations are objective and in his best interests.

Ed still enjoys investing—as a matter of fact, he enjoys it even more now that he worries less.

I will:

Thoroughly understand your life goals and objectives 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;
Insure that we implement an investment strategy that complements your other financial strategies;
Minimize cost and avoid undue risk not required to meet your overall objectives;
Integrate tax planning with your investment strategy to produce a higher after-tax return.

Becoming a successful investor is not an esoteric process. All that is required is for your investments to be properly balanced, objectively chosen, regularly reviewed, and in alignment with your overall financial plan.

Would you like to develop an investment strategy that meets all the above criteria? Contact me to discuss your goals, situation, and concerns. I will help you create an investment strategy that is aligned with your other financial strategies and life goals.

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