Pebble Valley Wealth Management will help educate the client on the benefits of asset class diversification and balancing the trade-offs of market risk and reward. The client has to be comfortable with the portfolio implemented. Some of the issue taken into considerations include: Time horizon will be key. A short time horizon requires minimizing market risk but over a long time horizon taking too little market risk introduces inflation risk. A portfolio will be centered around a core asset allocation with low-cost, diversified instruments, not individual securities. The asset class percentages will be established in the investment policy with ongoing tactical adjustments around those ranges. Asset location and related tax treatment is incorporated while not losing sight of the overall allocation and risk profile of the portfolio. Covered call writing, if desired, on a portion of the portfolio may be used to present a different risk profile. Investment performance versus a custom benchmark and other informative reports will be presented regularly to let you know how your portfolio is performing given the risk taken. The client retains ownership and title of the assets being managed. Trading authority (not withdrawal or deposit authority) is granted to Pebble Valley Wealth Management to facilitate the ongoing management of the assets. |
Individuals Small Business Investment Philosophy |