Broker Check

Investment Planning

Pete Peters with investment planning client

How We Can Help

Investing should be easy – just buy low and sell high – but most of us have trouble following that simple advice. Our role is to understand your time horizon, risk tolerance, financial situation, and goals. Once we understand each component, we will make recommendations based on your specific needs. We will be there every step of the way to ensure your personalized investment plan is heading in the right direction. And when necessary, adapt your strategy to your changing life goals and circumstances.

Key Concepts

Following a few smart investment principles can make your investment efforts much more effective. But it doesn't end there. Effective investing and portfolio management requires an ongoing effort and the right advisor to help you a long the way. These key concepts are a good place to start if you are new to investing. 

Estimate your time horizon - Is your investment horizon three years away or 30 years? Generally, if your time horizon is short, you may be more comfortable with a more conservative investing approach. Certain investments can be volatile and may not be appropriate if you have a short-term horizon. When you have a long-term horizon, you may consider a more aggressive approach. One way to lower your exposure to market risk is by investing for the long-term, which gives your money more time to recover from periods of market fluctuations and loss. Of course, past performance is no guarantee of future results. 

Know your risk tolerance - Can you tolerate big swings in the value of your investments, or do you prefer less volatility? Knowing your risk profile is an important step as you consider various types of investments. 

Diversify, diversify, diversify - This one's so important we listed it three times! Diversification is an investment principle designed to manage risk. However, diversification does not guarantee against a loss. The key to diversification is to identify investments that may perform differently under various market conditions.

Taxes and Inflation - It is important to consider the effects of taxes and inflation when creating your investment strategy. So when you are looking at the return on an investment, ask yourself, "What is my return after taxes?"

Get started now - Procrastination can be costly. Take the initiative and start managing your portfolio now! When it comes to pursuing your investment goals, the more time you have the better. 

Investment Resources

Risk Tolerance Questionnaire - On your way home from work, do you drive in the slow lane or the fast lane? Each person has a different propensity for risk. When investing, the risk propensity may be used to help assess your asset allocation. The following questionnaire may help determine your risk tolerance. 

Taxes & Inflation Calculator - Taxes and inflation may h ave an effect on an investment. Use this calculator to better understand the potential impact of taxes and inflation can have on the purchasing power of your investment.

Dividend Yield Calculator - Many consider dividends an important component when evaluating an investment opportunity. This calculator takes a look at the pre-tax and after-tax yield on an individual stock.