{"id":596,"date":"2019-05-21T12:25:30","date_gmt":"2019-05-21T16:25:30","guid":{"rendered":"http:\/\/www.financialnav.hrosen50.com\/?page_id=596"},"modified":"2021-08-29T17:10:11","modified_gmt":"2021-08-29T21:10:11","slug":"investment-philosophy","status":"publish","type":"page","link":"http:\/\/www.financialnav.com\/wordpress\/?page_id=596","title":{"rendered":"Investment Philosophy"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text]<\/p>\n<h3><strong>The technical version:<\/strong><\/h3>\n<p>We believe the success of a long-term portfolio stems from well-designed strategic asset allocation. By selecting the right mix of assets that suit an individual\u2019s risk tolerance, the client\u2019s portfolios are well positioned to maximize returns relative to risk over the long term. We also believe this contributes to at least 80% of a portfolio\u2019s success, allowing it to navigate through uncertainties and the unpredictability of the market.<\/p>\n<p>Our model portfolios are constructed from estimated risk and return expectations over the coming five years, and the interactions between asset classes. We then combine active and passive strategies using mutual funds and ETF\u2019s while allowing the client to select or maintain legacy investments. We believe discipline and constant monitoring within a long-term approach is key in protecting and growing wealth over time.<\/p>\n<h3><strong>In human terms:<br \/>\n<\/strong><\/h3>\n<p>\u2022 Gather as much data on our clients as is humanly possible. We do this both from gathering financial data and through discussions with our clients. This is not a one-time process but a practice that never ends.<\/p>\n<p>\u2022 Determine needs, based on both what is conveyed to us by our clients and from what is stated in the financial plan.<\/p>\n<p>\u2022 Seek the best approach to meet our clients\u2019 goals.<\/p>\n<p>\u2022 Seek the best investment vehicles to meet our clients\u2019 goals.<\/p>\n<p>\u2022 Maintain contact and keep our eye on changes in our clients\u2019 lives that affect their goals.<\/p>\n<p>\u2022 Review and reallocate assets as the market moves and changes.<\/p>\n<h3><strong><a href=\"http:\/\/www.financialnav.com\/wordpress\/wp-content\/uploads\/210618%20Form%20CRS%20Document.pdf\">Click to Download the SEC Form CRS (Customer Relationship Summary)<\/a><\/strong><\/h3>\n<p>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column][vc_column_text] The technical version: We believe the success of a long-term portfolio stems from well-designed strategic asset allocation. By selecting the right mix of assets that suit an individual\u2019s risk tolerance, the client\u2019s portfolios are well positioned to maximize returns relative to risk over the long term. We also believe this contributes to at least [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":816,"parent":0,"menu_order":2,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-596","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"http:\/\/www.financialnav.com\/wordpress\/index.php?rest_route=\/wp\/v2\/pages\/596"}],"collection":[{"href":"http:\/\/www.financialnav.com\/wordpress\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"http:\/\/www.financialnav.com\/wordpress\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"http:\/\/www.financialnav.com\/wordpress\/index.php?rest_route=\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"http:\/\/www.financialnav.com\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=596"}],"version-history":[{"count":13,"href":"http:\/\/www.financialnav.com\/wordpress\/index.php?rest_route=\/wp\/v2\/pages\/596\/revisions"}],"predecessor-version":[{"id":1199,"href":"http:\/\/www.financialnav.com\/wordpress\/index.php?rest_route=\/wp\/v2\/pages\/596\/revisions\/1199"}],"wp:featuredmedia":[{"embeddable":true,"href":"http:\/\/www.financialnav.com\/wordpress\/index.php?rest_route=\/wp\/v2\/media\/816"}],"wp:attachment":[{"href":"http:\/\/www.financialnav.com\/wordpress\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=596"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}