Investment Management

Multi-Asset Management Approach

Most firms use cookie-cutter approaches to investment management like these:

  • Using model portfolios that have no regard for your cash flow needs, withdrawal rate, or coordination with your retirement income plan.
  • Using standard 60/40 type portfolios with no regard to the economic cycle, bond volatility (like in the year 2022), or cash needs.
  • Build portfolios solely on risk tolerance.
 

Quality Financial Planning uses a multi-asset manager approach. We design a portfolio that fits your specific needs, goals, and risk tolerance.  

  • Your portfolio will be dynamically adjusted to mitigate the risks of the business cycle, interest rate risk, and other very prevalent risks in this investing environment.
  • Your asset allocation glide path plan will be developed using state-of-the-art software, which creates synergy between the income plan and your portfolio.
  • You will be kept informed via our client communications and quarterly investment webinars.

Investment Philosophy

We work with a team of seasoned investment professionals and portfolio managers with decades of institutional investment experience and deep working knowledge of the individual client market.  The investment philosophy is a progressive portfolio management suite through an active approach to risk management.

Through a spectrum of investment approaches encompassing risk-off, risk-on, asset allocation, focused investing, and tax-efficient strategies, we empower clients to tailor their portfolios for their personal wealth vision. Each strategy harmonizes within our overarching investment framework, facilitating agile and dynamic portfolio management.

Custodian

Assets are held at a custodian, separate and independent from the asset manager and Quality Financial Planning, LLC. We recommend Charles Schwab, as the custodian, which is a specialized and independent financial institution responsible for safeguarding your financial assets.

Market Commentary

Investing can be challenging yet rewarding. Information changes rapidly, which is why it is so important to stay informed. We offer our clients our latest market commentary and reflections on a weekly, monthly, and quarterly basis.

Portfolios built for your goals

Our investment portfolio models are for all market conditions, risk tolerance, and goals.  Our model portfolios are actively managed with ETFs,  stocks, and fixed-income investments.  We use fundamental analysis and tactical asset allocation strategies to take advantage of market pricing anomalies or strong market sectors.  

Growth Focused Strategies
  • Growth strategies include exposure to long-term capital appreciation investing in mid-to-large US stocks.
  • Growth stocks from the NASDAQ 100 Index that exhibit exceptional potential and value.
  • International equity exposure stocks, aimed at navigating the intricacies of the global market.
  • Digital innovation is focused on capital appreciation and exposure to technological revolution.
Risk-Off Strategies
  • Strategies seeking to minimize risk and protect their capital against potential market downturns.
  • Focused on assets with lower volatility and more predictable returns.
  • Asset allocation models, government bonds, treasuries, high-grade corporate bonds strategies, money market funds, precious metals ETFs, and insurance products.
Tax-Aware Strategies
  • Strategies aimed to minimize investment taxes to enhance after-tax returns, especially essential for taxable accounts.
  • Diversified portfolios investing in equities and fixed income.
  • ETF based models utilizing tax efficient practices.
  • Dynamic Tax Loss Harvesting
Socially Responsible Strategies
  • Socially responsible investing aligns portfolios with ESG or environmental, social, and governance initiatives.
  • Examples include:
    • Workplace equality
    • Environmentally conscious
    • Cleantech / Renewable Energy
    • Positive corporate governance initiatives
Global Energy Strategies
  • Strategies focused on capital appreciation with exposure to stocks that benefit from global energy.
  • Offers lower correlation to broad stock market returns.
Alternative Strategies
  • Structured notes are curated with the goal of optimizing upside and minimizing downside risk, offering a unique diversification element to a portfolio.
  • Buffered Index Portfolios  offer the opportunity to take advantage of growth up to a pre-determined return cap but with a defined buffer level against market losses.
  • Dual Directional Strategy can potentially provide a positive return even if markets are negative.

Portfolio Analysis Review

Through the years, you may have worked with multiple advisors, and by now, you likely have some combination of investments in employer-sponsored plans, mutual funds, and individual bonds and stocks. And while all of those individual investments may have made sense at the
time, they may not make sense today.

To help remedy this problem, we’ve developed the Portfolio Analysis Review process. It starts with an inventory of your assets and partnering with a team led by dedicated Certified Financial Planners® and Chartered Financial Analysts to conduct a careful analysis. This helps us assess whether your allocation is in line with your desired risk, investment objective and income needs. 

Our Portfolio Analysis Review can give you a clear, easy-to-understand outline of your portfolio, which may provide valuable insight when evaluating your retirement goals.

It can show you the following:

  • What investments do you hold inside your portfolio?
  • How has your portfolio performed against relevant benchmarks, and why does that matter?
  • What insights can help align your portfolio with your financial goals?
  • Strategies that can lower risk while still allowing for growth.

All content is for information purposes only. It is not intended to provide any tax or legal advice or provide the basis for any financial decisions. Nor is it intended to be a projection of current or future performance or indication or future results.

Opinions expressed herein are solely those of Quality Financial Planning, LLC and our editorial staff. The information contained in this material has been derived from sources believed to be reliable but is not guaranteed as to accuracy and completeness and does not purport to be a complete analysis of the materials discussed. All information and ideas should be discussed in detail with your individual adviser prior to implementation. Advisory services are offered by Quality Financial Planning, LLC an Investment Advisor in the States of Texas and Florida. Being registered as an investment adviser does not imply a certain level of skill or training.

Insurance products and services are offered through Reyes Benefits, Inc., an affiliated company.  Quality Financial Planning, LLC and Reyes Benefits, Inc. are not affiliated with or endorsed by the Social Security Administration or any government agency.

The information contained herein should in no way be construed or interpreted as a solicitation to sell or offer to sell advisory services to any residents of any State other than the State of Texas or Florida where otherwise legally permitted.

Images and photographs are included for the sole purpose of visually enhancing the website. None of them are photographs of current or former Clients. They should not be construed as an endorsement or testimonial from any of the persons in the photograph.

Purchases are subject to suitability. This requires a review of an investor’s objective, risk tolerance, and time horizons. Investing always involves risk and possible loss of capital.

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