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Unified Investment Management
Ongoing Research -- Process Discipline -- Evidence-Based Decisions -- Flexibility to Adjust
Having a sound and disciplined investment strategy is key to preserving and growing your assets. Our portfolios are designed to address the unique needs, life circumstances and aspirations of individual clients, while balancing the priorities of risk exposure, pursuing long-term returns and consistent cash flows. One of our goals is to help manage investor behavior, perspectives and perceptions. This helps guide you away from costly, fear-based mistakes when the market is volatile, while also avoiding the pitfalls of greed when irrational exuberance may tempt you toward taking on undue risks. Ultimately, investment success is measured by the achievement of goals that we work with you to define: retirement income, your children’s education, providing for heirs and causes that matter to you and more. Through the journey of defining your goals and visualizing your future success, we help to navigate by answering questions, such as: How should I be invested based on my needs, goals and experiences? What amount of risk is the optimal amount for me? What’s the overarching strategy? Is this a tax-efficient strategy? How will my portfolio handle the next large stock market drop?
The Risk Number helps us ensure that your portfolio aligns with YOUR investment goals and expectations. To have your Risk Number assessed, follow the below link and see if your portfolio aligns with your investment goals & expectations.
To build your portfolio, Align Wealth Partners uses a highly consultative process that allows us to uncover your unique situation and build an investment strategy around your needs.
1. Assess Client’s Investor Profile — Based on your goals and objectives, together we’ll determine what your customized financial strategy should be, taking into consideration your:
- Investment Goals and their Time Horizon
- Income Needs and Tax Considerations
- Risk Tolerance, Risk Capacity and Risk Preferences
- Performance Expectations
- Liquidity Requirements
- Current Investments
Align will then construct your portfolio to reflect your personal investor profile, time horizon, and risk preferences, all with an outlook to the future, not the past.
2. Personalize Strategy to Your Needs — With our Asset Management platform, we have access to a breadth of investment types and choices to construct custom-tailored portfolios. Supported by the knowledge of experienced research strategists, we’ll identify appropriate investment strategies by considering the following:
- Asset Allocation Models – Strategic positioning with flexibility to exit markets when necessary
- Correlation Between Asset Classes – Independent and disconnected patterns of returns
- Investment Types and Characteristics – Potential risks and benefits
- Risk/Reward Characteristics of Asset Classes – Upside to downside exposure expectations
- Diversification1 – Proper mixing of securities seeks to maximize complementary aspects of each to benefit the whole portfolio
- Investment Platforms – Primarily fee-based Advisory Strategies
- Investment Managers – Due diligence performed across thousands of funds, insurance products, and non-traditional investment vehicles
Based on the combined attributes of the individual asset classes and your goals, we’ll designate an asset allocation and investment strategy that is optimal to your needs. Your portfolio may include, but is not limited to, mutual funds, stocks, bonds, exchange-traded funds (ETFs), alternative investments, annuities (immediate, indexed, fixed and/or variable), structured CDs, cash equivalents, or a combination of these investments.
3. Investment Plan Activation — Once we’re ready to bring your portfolio to life, we’ll discuss your expectations and review what we want to accomplish through your customized strategy. To get your portfolio up and running, we’ll:
- Answer all questions to your full satisfaction
- Open your new accounts with the optimal ownership and beneficiary structuring.
- Transition your existing securities and cash equivalents.
- Reallocate assets in while pursuing tax-efficiency.
- Connect you to your online personal financial website.
4. Recurring Realignment and Reviews — Once your investments are in place, we’ll continue to review and manage your portfolio on an ongoing basis. Portfolio rebalancing2 is a critical component of the strategic asset allocation process and essential to the long-term suitability of your portfolio. Rebalancing is designed to ensure that the allocation of your assets remains in line with your stated investment objectives. Because the relative performance of various asset classes will vary, portfolios that aren’t reviewed on a regular basis tend to drift from their target allocations, and this can change the risk/return profile to something beyond your comfort zone.
The ongoing management of your portfolio will include:
- Regular meetings and discussions so you can feel comfortable with your continued strategy.
- Active, ongoing portfolio reviews.
- Rebalancing decisions2.
- Consolidated quarterly performance reports.
- Periodic re-examination of your investment strategy to make sure it continues to stay aligned with your situation and objectives
IMPORTANT: The projections or other information generated by Riskalyze regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. Your Risk Number provided is on a scale of 1 to 99, with higher numbers indicating higher risk tolerance. Scenarios illustrated are hypothetical and not representative of any specific investment or investor. Individual results will vary. Investing is subject to risk which may involve loss of principal. No strategy assures success or protects against loss.
1There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification and asset allocation do not protect against market risk.
2Rebalancing a portfolio may cause investors to incur tax liabilities and/or transaction costs and does not assure a profit or protect against a loss.