The Risk Managed Portfolio is an asset management service designed to help investors grow and retain their wealth.  Through our tactical approach to asset allocation, we strive to increase returns while managing risk.

1) IDENTIFY A COMFORTABLE LEVEL OF RISK - Together we can take the guesswork out of your financial future and build an Investment Strategy that quantifies your acceptable level of risk and reward.  We take a quantitative approach to pinpoint your risk number by going through a series of objective exercises based on actual dollar amounts.

2) RECOMMEND A PORTFOLIO - Your optimized portfolio will fit your risk tolerance and goals.  Our customized design includes a stress test and a review of your probabiliy range of returns.  Your portfolio will have a broad spread of globally diversified assets.  We will adjust these asset allocations and holdings to reflect changing conditions in the investment environment.

3) SELECT INVESTMENTS - Your portfolio will be allocated across various asset classes to provide diversification by owning low-cost investments.  Exchange traded funds (ETF) will comprise most of your holdings.

4) MANAGE ASSETS - Through analysis of investments and active portfolio managed, we strive to achieve the optimal investment return for the agreed level of risk.  We look for opportunities to add value by capitalizing on changes in globabl market and economic conditions while mitigating major losses in volatile markets.  Asset allocation, performance reporting and investment monitoring services are included.

5) COMMUNICATE RESULTS - We will meet with you on a regular basis to review the portfolio and take account of possible changes in your financial circumstances and investment objectives.  Account statements will be provided (hard copy and/or electronic).  24/7 access to your account information is also available online and through a convenient mobile app.

How will market volatility impact my portfolio?  Investment returns will fluctuate and are subject to market volatility, so that an investor's shares, when redeemed or sold, may be worth more or less than their original cost.  While your portfolio may lose value in the short term, the risk management strategies (Conservative to Aggressive) are designed to help limit those losses.

What account type is Risk Managed Portfolio available?  Taxable (Individual, Joint, Trust, Transfer on Death) and Retirement (IRA, Roth IRA, Rollover IRA) accounts are available to hold the Risk Managed Portfolio.  

Can I transfer my existing account(s) into Risk Managed Portfolio?  Yes.  Your current assets can be directly transferred to fund your account.  

Where is my account held?  Fidelity Clearing & Custody Solutions (FCCS) and its broker dealer National Financial Services LLC (NFS) provide clearing, custody and other brokerage services.  

Are you a fiduciary?  Yes.  As an investment advisor representative, the fiduciary standard states that an advisor must put their clients' intereste above their own.  

How much does it cost?   Investment advisory fees start at 0.30% per quarter and are reduced based on account size.  The larger the account, the lower the fees.    

Why are Advisory fees charged instead of Commissions?   We charge an advisory fee rather than a large upfront commission because we are focused on the longevity of the client relationship.  Advisory fees put us on the same side of the table as our clients.  As client assets grow, so does our revenue.  If there's a downturn in the markets, it affects us as well.  It also allows us to make changes in a portfolio without any economic incentive.  Our fee remains the same whether we buy, sell or hold an investment.

How will Risk Managed Portfolio benefit me?  This service seeks to provide you confidence, knowing that you have delegated the ongoing responsibility of actively managing your investment account to investment professionals.  You no longer need to research individual investments, monitor the markets or make changes to your account because we do it for you.