Investment Approach
What We Do
Investment Approach
We believe investing is about selecting quality investments to build a portfolio that provides the income and stability you need to maintain the type of lifestyle to which you have become accustomed and to help you reach the goals you have for your future.
Based upon your priorities and tolerance for risk, your personalized plan is designed to provide a sophisticated roadmap to help you reach your financial goals.
We build portfolios with core investments with an aim to provide steady, long-term growth and satellite positions that help reduce risk or capture opportunities as markets evolve. We strive to keep a careful eye on risk. We continue to diversify your portfolio using asset allocation strategies and tactical satellite investments, based on your tax liability and volatility requirements.
Asset allocation cannot eliminate the risk of fluctuating prices and uncertain returns.
To help create your stream of monthly retirement income, we employ a bond and or CD laddering strategy to spread investment dollars among bonds and CDs that mature at various times between one year and 30 years. To help create your portfolio of laddered bonds we purchase bonds of staggered maturities to help offset fluctuating interest rates, increase portfolio diversification, and help fulfill your specific income requirements.
To help visualize the portfolio, think of individual bonds as rungs on a ladder. In normal interest-rate environments, bonds with shorter maturities will yield less than longer maturities. As each individual bond in the ladder matures (bottom rung), the principal then becomes available for reinvesting, at current interest rates, into bonds of intermediate or longer-term maturities with the higher yields. The new bonds then become the new “top rungs” of the ladder.
Investments in fixed-income securities are subject to market, interest rate, credit and other risks. Bond prices fluctuate inversely to changes in interest rates. Therefore, a general rise in interest rates can cause a bond’s price to fall. Credit risk is the risk that an issuer will default on payments of interest and/or principal. This risk is heightened in lower rated bonds. If sold prior to maturity, fixed income securities are subject to market risk. All fixed income investments may be worth less than their original cost upon redemption or maturity.
Bond laddering does not assure a profit or protect against loss in a declining market.
The long-term impact of taxes on investment returns can take a bite out of your savings. Our tax-efficient strategies help you continue to grow your savings for retirement while managing the impact of taxes.
Wells Fargo Advisors Financial Network does not provide legal or tax advice.
Our team is dedicated to helping ensure that your needs are always our priority. With a deep focus on you, your family and your next generation, we work to have meaningful conversations and listen carefully, so you’ll know you have an investment plan in place to help pursue your life’s priorities and passions.
We believe investing is about selecting quality investments to build a portfolio that provides the income and stability you need to maintain the type of lifestyle to which you have become accustomed and to help you reach the goals you have for your future.
Based upon your priorities and tolerance for risk, your personalized plan is designed to provide a sophisticated roadmap to help you reach your financial goals.
We build portfolios with core investments with an aim to provide steady, long-term growth and satellite positions that help reduce risk or capture opportunities as markets evolve. We strive to keep a careful eye on risk. We continue to diversify your portfolio using asset allocation strategies and tactical satellite investments, based on your tax liability and volatility requirements.
Asset allocation cannot eliminate the risk of fluctuating prices and uncertain returns.
To help create your stream of monthly retirement income, we employ a bond and or CD laddering strategy to spread investment dollars among bonds and CDs that mature at various times between one year and 30 years. To help create your portfolio of laddered bonds we purchase bonds of staggered maturities to help offset fluctuating interest rates, increase portfolio diversification, and help fulfill your specific income requirements.
To help visualize the portfolio, think of individual bonds as rungs on a ladder. In normal interest-rate environments, bonds with shorter maturities will yield less than longer maturities. As each individual bond in the ladder matures (bottom rung), the principal then becomes available for reinvesting, at current interest rates, into bonds of intermediate or longer-term maturities with the higher yields. The new bonds then become the new “top rungs” of the ladder.
Investments in fixed-income securities are subject to market, interest rate, credit and other risks. Bond prices fluctuate inversely to changes in interest rates. Therefore, a general rise in interest rates can cause a bond’s price to fall. Credit risk is the risk that an issuer will default on payments of interest and/or principal. This risk is heightened in lower rated bonds. If sold prior to maturity, fixed income securities are subject to market risk. All fixed income investments may be worth less than their original cost upon redemption or maturity.
Bond laddering does not assure a profit or protect against loss in a declining market.
The long-term impact of taxes on investment returns can take a bite out of your savings. Our tax-efficient strategies help you continue to grow your savings for retirement while managing the impact of taxes.
Wells Fargo Advisors Financial Network does not provide legal or tax advice.
Our team is dedicated to helping ensure that your needs are always our priority. With a deep focus on you, your family and your next generation, we work to have meaningful conversations and listen carefully, so you’ll know you have an investment plan in place to help pursue your life’s priorities and passions.
It’s not how much money you make, but how much money you keep, how hard it works for you and how many generations you keep it for.