How do you select individual investments for a client?
Before I recommend any investment, I consider how this investment fits within your portfolio given your objectives and risk ability.
Next, I consider the current economic conditions and the outlook for the asset class or type of security. For equity investments, I focus primarily on the philosophies, experience and track record of the management team. With fixed income investments, I look for appropriate yield for a given quality of credit and security. As a fiduciary to my clients, I strive to obtain the most appropriate investment vehicles to meet your objectives, while being very conscious of risk exposure and total expenses.
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Careful planning needed to meet retirement health care needsHealth care is expensive. With the efforts to balance government budgets, the trend of shifting more costs to the consumer is likely to continue. Whether we are retired or planning for retirement, the numbers can be daunting. |