Investment Management

Investment management is much like driving a vehicle on a freeway. Before you hit the onramp and head in a given direction, you need to know where you’re going.

Just as your assets should work in a coordinated fashion to help fuel your income and savings requirements, the planning process acts as your road map, helping you identify where you want to go and how best to get there. Risk tolerance, income requirements, age and employment circumstances play significant roles in determining which route will be the best suited for your objectives, and ultimately, your portfolio.

We initiate very clear steps to ensure your investment model gets you and your family to your intended destination.

Risk Tolerance

“Risk tolerance” measures the amount of risk you are comfortable taking. You might feel comfortable driving in the fast lane, but that’s probably not where you want to be if you need to get off at the next exit. “Risk capacity” is the amount of risk you NEED to take in order to reach a destination you’ve chosen (such as sufficient retirement income). Driving in the slow lane, while easier at times, generally is inefficient for longer distances. Thus, your portfolio’s investment allocation should fit your time horizon and goals.

A CERTIFIED FINANCIAL PLANNER™ practitioner will help you understand the prudent range of risk required to achieve your goals. This discovery process provides a critical foundation to the client-advisor discussion about acceptable levels of volatility, which leads to a portfolio model more likely to meet your expectations.

Income

Do you need income? When? How much? What is a “safe” withdrawal rate? Can your income increase annually to keep pace with inflation? The answers to these questions also play an integral role in your investment management. Income is one way your portfolio works for you. We help you establish the cash flow you need TODAY, while monitoring the stability of your capital for TOMORROW'S income needs as well. Along the way, we’ll guide you to stay within reasonable withdrawal levels and help you manage your withdrawals for optimal tax efficiency.

Investment Methods

Wherever your destination lies, we will help you identify the best investment plan to get there. Silversage Advisors offers both advisory (fee-based) and traditional brokerage (transaction-based) accounts for broad choice and flexibility. Advisory accounts remain our premier service.