Wealth Management

Asset Management

Financial Foundations’ approach to asset management is to manage risk while maximizing profit. Through the Personal Foundation Builder® we help you minimize financial dangers, capture lucrative opportunities and build on your asset strengths.

We offer sound investment advice and employ a variety of tools, including:

Illustrative future models and plans
Security/stock trading and tax-deferred annuities*
Monthly and quarterly reviews and reporting
Periodic portfolio rebalancing
Online account access
VIP accounts
1035 and 1031 Exchanges (exchanges of annuities and other property not subject to Capital Gains Tax)
Real Estate Investment Trusts (REITs)*
Venture Capital

* These products are offered through Commonwealth Financial Network

Our first goal in managing your portfolio is to help manage the risks inherent in investing with growth. The process has four parts, outlined below.

Diversification

We determine how much wealth you must accumulate to satisfy your long-term cash flow needs during retirement by conducting a retirement plan projection. The return you require from your portfolio is determined by such factors as your existing portfolio’s value, inflation, the age at which you want to retire, and how much income you’ll need to maintain or enhance your standard of living. Once we’ve made this assessment we can determine how to allocate your assets among four classes: stocks, bonds, real-estate investment trusts and cash. Diversification does not assure a profit or protect against a loss in declining markets.

Asset Quality

Once we’ve adopted the right asset allocation model, we choose high-quality investments that have proven their ability to deliver. We look for above-average peer group performance with below-average benchmark volatility. Past performance is no guarantee of future results.

Portfolio Construction

We build your portfolio based on the timeframe that best suits your tolerance for risk, using dollar cost averaging.

Portfolio Rebalancing

We monitor both your asset quality and portfolio allocation regularly, recommending changes as appropriate.

Take A Closer Look...

Education Planning

Retirement Planning