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Asset Diversification - Planting the GardenOnce there is agreement about the asset allocation plan, we help you select the underlying securities to fill in those allocations. Typically, we will recommend very low-cost mutual funds and/or exchange-traded funds that are linked to a major index (like the S&P 500, for example) or passively managed and are provided by generally reliable and shareholder-friendly institutions (such as Vanguard, Schwab, I-Shares, Fidelity, et.al.).
We also will review where assets should be located (i.e., what should go in your established 401(k) or IRA, and what should be in taxable accounts?). At all times, we are concerned with limiting costs of investment, minimizing taxes, increasing income production without materially increasing risk, and linking growth and/or income assets to your future goals as befits the overall allocation strategy. |
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