Access to suitable investments has never been better.  If all you’re getting from your financial professional is investment recommendations, I think you’re missing a big part of what a financial professional can do for you.  We offer much more than simply putting you in suitable investments, but that shouldn’t diminish the fact that we have highly competitive investment options.

There is a lot of debate about active versus passive management, mutual funds versus exchange traded funds (ETFs), and various political issues.  We strive to take the ego out of investments and not choose sides in these battles for the sake of sensationalism.  We offer two general approaches which we’ve found suit most of our clients.

The first approach utilizes primarily passive based ETFs.  It allows clients to seek to lower expenses.  The second approach mixes passive ETFs with select active funds that prioritize managing risk during down markets.  This path helps clients that struggle with buy and hold strategies.  We would love an opportunity to discuss the nuances between the two strategies.

Content in this material is for general information only and not intended to provide specific advice or recommendations for any individual.

ETFs trade like stocks, are subject to investment risk, fluctuate in market value, and may trade at prices above or below the ETF's net asset value (NAV). Upon redemption, the value of fund shares may be worth more or less than their original cost. ETFs carry additional risks such as not being diversified, possible trading halts, and index tracking errors.