Asset Allocation

The future growth and income potential of a portfolio, as well as exposure to potential risks are determined by portfolio Asset Allocation. This allocation between Cash, Bonds and Stocks and Alternative Investments must be keyed to the specific needs of each individual client.

  • Cash Management – Cash (money market funds, short term maturities) may provide liquidity for living expenses and short term needs, as well as a cushion for unexpected events. Prudently organizing and managing cash balances and cash-flow can provide liquidity and help improve returns.
  • Fixed Income – The Bond allocation may provide cash flow and stability. Other than income, an individual bond’s primary appeal is that it has a maturity; a point at which your investment is paid back to you. A disciplined distribution of maturities may potentially help to yield greater returns and reduce risk. We consider a wide-range of fixed income investments to help meet your needs, including tax-advantaged municipal bonds, taxable bonds, preferred stocks and CDs.
  • The allocation to cash and bonds should be designed to help provide the liquidity and cash flow to withstand the inherent volatility of the equity markets.
  • Stocks- Equity ownership in individual companies has historically provided significant growth potential as well as dividend income over the long term. Our belief is that a successful equity allocation requires diversification, professional management, discipline and time.
  • Alternative Investments- Alternative investments may help to provide additional appreciation and diversification potential for qualified/accredited clients.

Asset allocation cannot eliminate the risk of fluctuating prices and uncertain returns.

Past performance, which is not a guarantee of future results.

Diversification does not guarantee profit or protect against loss in declining markets.

Dividends are not guaranteed and are subject to change or elimination.

Investing in fixed income securities involves certain risks such as market risk if sold prior to maturity and credit risk especially if investing in high yield bonds, which have lower ratings and are subject to greater volatility. All fixed income investments may be worth less than original cost upon redemption or maturity.

Alternative investments carry specific investor qualifications which can include high income and net-worth requirements as well as relatively high investment minimums. They are complex investment vehicles which generally have high costs and substantial risks. The high expenses often associated with these investments must be offset by trading profits and other income. They tend to be more volatile than other types of investments and present an increased risk of investment loss. There may also be a lack of transparency as to the underlying assets. Alternative investments are subject to fewer regulatory requirements than mutual funds and other registered investment company products and thus may offer investors fewer legal protections than they would have with more traditional investments. Additionally, there may be no secondary market for alternative investment interests and transferability may be limited or even prohibited. Other risks may apply as well, depending on the specific investment product. Please carefully review the Private Placement Memorandum or other offering documents for complete information regarding terms, including all applicable fees, as well as risks and other factors you should consider before investing.


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