Investment Philosophy

At Financial Perspectives we believe a disciplined, long-term investment strategy and a diversified portfolio offer the strongest potential for realizing the best portfolio returns. Our investment philosophy is centered on building portfolios utilizing an active-passive approach. Both active and passively managed no-load mutual funds and exchange-traded funds (ETF’s) are the building blocks for each custom portfolio created (with an occasional recommendation for individual stocks or bonds). An individualized investment plan is developed and rigorously followed, establishing the framework for how your money will be invested. The end goal of this philosophy is to provide steady returns and volatility consistent with your desired level of risk.

Our investment philosophy is based on these guiding principles:

• We recognize and always act in the fiduciary capacity entrusted in us by our clients
• Investment diversification is the key to managing portfolio volatility and experiencing better-than-average long-term returns.
• Investment suitability – We recognize not every investment is suitable for every portfolio and as such ensure a reasonable basis for all investment recommendations.
• Long-term view – Smoothing returns, reducing the chances of making poor emotional decisions and creating wealth through consistent compounding are the net positive effects of a long term horizon.
• Continuous performance monitoring – Making changes as needed towards meeting towards meeting your investment objectives.
• Tax minimization – All investment decisions are made with an eye on minimizing taxable impact.
• Scrutinization of Costs – We are highly aware that lower fees means less money spent, more money kept by you and therefore a faster growing portfolio.
• Risk control - A top-down, asset allocation investment strategy is at the center of managing portfolio risk.
• We are committed to providing quality, personalized service throughout the investment process. We feel that regular interaction and communication enhances client satisfaction and ultimately portfolio returns.

We have more than a decade of experience with helping investors successfully achieve their financial goals. That success can be directly attributed to the investment philosophy described above. Our approach relies on investment principles that have been proven and refined over time to reward patient investors with optimal returns. In addition, it fosters the trust needed to build long-term advisory relationships; every guideline ensures that we are thinking of your best interests first, last and always.