Investment Planning

After we evaluate your savings and investment objectives, and determine your current financial condition; we can develop an investment plan.  Investment planning involves risk management strategies that work toward achieving target returns (and/or maximizing returns) while minimizing the amout of risk in your portfolio.  Based on our understanding of your risk tolerance which is also impacted by your experience, goals, and available resources; we can use various tools to help achieve your goals while minimizing risk. Some goals include:

  • Saving money to send your child to college in 15 years.
  • Saving enough money for retirement
  • Having a a retirement income and distribution plan that ensures your money will last through retirement.
  • Saving for a down payment on a home in 5 years.
  • Growing and emergency fund.

Investment Managers we work with.

Asset allocation

What is 'Asset Allocation'

Asset allocation is an investment strategy that aims to balance risk and reward by apportioning a portfolio's assets according to an individual's goals, risk tolerance and investment horizon. The three main asset classes - equities, fixed-income, and cash and equivalents - have different levels of risk and return, so each will behave differently over time.

Read more: Asset Allocation http://www.investopedia.com/terms/a/assetallocation.asp#ixzz4qPa46dtS


Diversification

What is 'Diversification'

Diversification is a risk management technique that mixes a wide variety of investments within a portfolio. The rationale behind this technique contends that a portfolio constructed of different kinds of investments will, on average, yield higher returns and pose a lower risk than any individual investment found within the portfolio.

Read more: Diversification http://www.investopedia.com/terms/d/diversification.asp#ixzz4qPaUM3pB


Risk Tolerance

What is 'Risk Tolerance'

Risk tolerance is the degree of variability in investment returns that an investor is willing to withstand. Risk tolerance is an important component in investing. You should have a realistic understanding of your ability and willingness to stomach large swings in the value of his investments; if you take on too much risk, you might panic and sell at the wrong time.

Read more: Risk Tolerance http://www.investopedia.com/terms/r/risktolerance.asp#ixzz4qPb2CGrV

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Investment Management

What is a 'Managed Account'

A managed account is an investment account that is owned by an individual investor and overseen by a hired professional money manager. In contrast to mutual funds, which are professionally managed on behalf of many mutual-fund holders, managed accounts are personalized investment portfolios tailored to the specific needs of the account holder.

Read more: Managed Account http://www.investopedia.com/terms/m/managedaccount.asp#ixzz4qPbonUsN

We offer advisory services by referring clients to unaffiliated third-party money managers offering asset management and other investment advisory programs. These programs provide for the management of client portfolios by the provider, who are registered investment advisers. The third-party managers are responsible for continuously monitoring client accounts and making trades in client accounts when necessary. The benefit to our customers is that they get unbiased advice about the investments in their accounts.  Clients also benefit from the presence of multiple parties from G.S. WOODS WEALTH MANAGEMENT to the custodian (Such as TD Ameritrade). 

Under this program, we assist you with identifying your risk tolerance and investment objectives. We recommend third-party money managers in relation to your stated investment objectives and risk tolerance, and you may select a recommended third-party money manager or model portfolio based upon your needs. You must enter into an agreement directly with the third-party money manager who provides your account with asset management services. We are available to answer questions that you may have regarding your account and act as the communication conduit between you and the third-party money manager. The third-party money manager may take discretionary authority to determine the securities to be purchased and sold for your account. We do not have any trading authority with respect to your account managed by the third-party money manager.

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Third Party Investment Managers

AssetMark Go Beyond Your Investments

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An integrated approach to managing your wealth, so you can pursue all your financial goals. You’ve worked hard to build your wealth through diligent saving and smart investing choices. As you make progress toward your financial goals, it’s important to work with a trusted advisor who can provide a more complete approach to wealth management.  Working together, I can help you  with an array of resources to help you better understand and manage all aspects of your financial life, while helping you grow and protect your wealth.

Complete Wealth Management:

Custom Investments

Complement your portfolio with investments tailored to your unique situation. AssetMark provides  access to over 30 different investment strategists. A few have put together video's explaining their investment perspective: AM Strategists Videos.pdf

  • Custom  investment solutions
  • Tax-smart investments and guidance
  • Covered-call option strategies

Cash Management

Maximize your everyday cash with banking and lending products that align with your goals.

  • Checking accounts
  • Concierge mortgage services
  • Securities-backed lines of credit
  • Expanded FDIC insurance on cash assets

Wealth Transfer

Establish your legacy and be confident that your wealth will be used how you  want.

  • Estate planning
  • Trust administration
  • Charitable giving

Guidance  beyond investing

We believe in providing our clients personalized and tailored solutions to fit their unique needs, and to offer the highest level of service. By working with us, you’ll gain clarity in how you want your wealth to work for you and   peace of mind in knowing that we will focus on helping you ensure your family needs are fulfilled.

Read more: CompleteWealthMgt.pdf

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Morningstar Managed Portfolio's

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Mutual Fund Portfolio's

The portfolio managers within the Morningstar global investment group have created a series of mutual fund portfolios built for the long-term and are managed with a keen eye on risk. These portfolios are created using a research-driven process supported by independent fund analysis from Morningstar, Inc. and regular meetings with fund managers. Each actively managed portfolio is developed using quantitative and qualitative analysis and carefully monitored to keep it on track with its established goals.      

Read more: https://advisor.mp.morningstar.com/#/investors

Select Equity Portfolio's

The lineup of Select Equity Portfolios uses objective stock research from Morningstar, Inc., one of the largest independent sources for equity research in the world and home to analysts named “Best on the Street” in the Wall Street Journal’s annual survey. The investment team harnesses this award-winning analysis to create a range of high-conviction Select Equity Portfolios.  

Read more: https://advisor.mp.morningstar.com/#/investors

Exchange Traded Fund Portfolio's

The exchange-traded fund portfolios can help advisors deliver cost-effective, tax-aware investment options grounded in the latest research. The portfolios aim to capture the best qualities of ETFs: lower costs and the flexibility to pursue market opportunities. Throughout portfolio construction, the goal is to keep underlying ETF expense ratios low and increase tax efficiency while adding value through security selection.  

Read more: https://advisor.mp.morningstar.com/#/investors

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