Financial Planning

Investment Planning

A solid investment strategy can help you pursue financial independence. But we believe that to be truly effective, any investment strategy must be customized to your unique situation. The goal of a custom-designed portfolio is to strive for an optimal blend of investments tailored to your personal goals, time horizon, and risk profile. This process encompasses setting investment objectives, establishing weightings for various asset classes, choosing specific investments, and making adjustments as circumstances dictate. By working with an advisor who acts as a behavioral coach, you could improve your results. A 2022 study found that working with an advisor can add up to or even exceed 3% in net return.*

Personal Goals, Asset Allocation & Time Horizon

First, we work together establish and prioritize financial goals and time frames for these goals. Most of us have multiple competing goals – and that’s why our firm uses a comprehensive financial plan as a baseline before building an investment account.

Next, you will complete a risk tolerance questionnaire, which will identify your risk number. This helps identify your acceptable level of risk and reward. Think of your risk number like a speed limit, we don’t want to pick assets that are too fast or too slow for you. 

Then, based on your goals, we select an asset allocation strategy. This involves distributing your investments across several asset classes—such as stocks, bonds, alternatives and cash equivalents. Asset allocation allows your portfolio to participate in a variety of market sectors while potentially minimizing overall volatility. Keep in mind that asset allocation doesn’t ensure a profit or protect against a loss.

How we take care of you

Our team will work with you to curate a comprehensive financial plan that is tailored to your needs. We will help determine an appropriate risk profile and investment scores that satisfy your ambition. Your risk tolerance refers to your personal desire to assume risk and your comfort level in doing so. With this in mind, we will evaluate each investment using a 12 factor pass/fail analysis that helps us determine what investment styles best suit your needs.

As a client at M Financial Planning Services, you can rest easy knowing that the financial planning process doesn't end once your initial plan has been created. Our team will perform quarterly review and/or rebalancing of your portfolio, to assure that your financial plan is in accordance to your financial goals. We aim to review plans with our clients from two to four times a year. During these reviews, we ask for feedback from our clients and make necessary adjustments. We know that life can throw us curveballs, and that you may have specific needs that need immediate action, and that is why you can make an appointment with your advisor online at any time or by the phone. 

Wherever your financial goals take you, we can help you get there. Contact us today.

*Vanguard's Advisor Alpha, 2022

All investing involves risk including loss of principal. No strategy assures success or protects against loss.