Investment Portfolios

Investment advice to match your risk profile: We offer our clients 6 different risk-based investment portfolios.

Group .5. Conservative

(Typically for clients 80 and older) This portfolio is an even more conservative option for clients currently in either Group 1 or Group 2. This portfolio will typically have only about half the risk of Group 1 and 2. Most clients in this category are retired and desire income as their primary objective. However, younger clients can choose this strategy if they are very risk averse. This strategy focuses on the generation of current income and the preservation of capital. There is a small portion of the portfolio allocated to generate some growth of capital. This portfolio should have even smaller drawdowns or downward fluctuations, but also lower investment returns than even strategy 1 or 2. This conservative strategy is the most domestically focused of the 6 risk based strategies.

 Group 1. Conservative 
(Typically for clients 75 years and older) Most clients in this category are retired but some non-retired younger clients have chosen. This portfolio as best suited to their temperament. The primary goal of the portfolio is capital preservation and generation of current income. Over the long run, this portfolio should have smaller "drawdowns" or downward fluctuations but also the lowest investment returns of the five portfolios. This conservative strategy is the most domestically focused of the 6 risk based strategies.

Group 2. Moderately Conservative 
(Typically for clients aged 60-74) These clients are retired or nearing retirement. This portfolio will be very similar to the conservative portfolio above in that capital preservation and income generation are the primary focus but it will assume some additional risk which over the long term should generate a slightly higher investment return.

Group 3. Moderate 
(Typically for clients aged 45-59) These clients are generally still working with retirement envisioned sometime over the next 5-20 years. This is the most balanced portfolio of the five. It is designed for long term growth of capital and the generation of some current income. It employs a moderate level of risk.

Group 4. Moderately Aggressive 
(Typically for clients aged 0-44) The primary objective of this portfolio is long term growth of capital. As such, this portfolio takes on more risk than either the Moderate or the two Conservative Portfolios above and is therefore subject to larger fluctuations. Current income is a secondary consideration for this portfolio.

Group 5. Aggressive 
(No typical age) This portfolio is only suitable for those whose personal finances are on a very sound foundation. Typically, the clients in this category have homes with no mortgage, college education funds that are fully funded, and retirement assets set aside in less aggressive portfolios. This portfolio is designed to capture as much gain as possible from the financial markets and as such is at risk of outsized losses as well.