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portfolio analysis
Our goal is to reduce risk and appropriately diversify your portfolio to support your financial goals.
Portfolio analysis with Creative Wealth Management begins with a holistic examination of all of your finances, including any investments held by you as an individual or in a retirement account, this includes mutual funds, stocks, bonds or any other types of investments. Before analysis can begin, we ensure we have an in-depth understanding of your current situation and have established your short and long-term financial goals.
Once we understand your financial situation, we will consider every aspect of your finances, examine your investments, and provide guidance for meeting your objectives. Our goals are twofold. First, we want to design a portfolio that supports the objectives you have laid out. Second, we ensure you have appropriately diversified to keep risk at an agreed-upon acceptable minimum.
Look forward to retirement
We are here to help you retire in comfort, meeting your financial milestones along the way.
Everyone has a different vision of what retirement looks like for them. Some people want to be able to travel after they have retired. Others are hoping to provide for their children’s higher education while enjoying a laid-back lifestyle. Still others are hoping to pass on a business or gain a passive income stream.
Retirement planning is often a combination of smart budgeting and appropriate investment. However, the right portfolio that will most likely help you reach your retirement goals may be a mix of vehicles. These can include IRA, 401K, pension plan, 403(b) plan, annuities, personal savings, CDs, ESOPs, 1035 Exchanges, mutual funds, stocks, bonds, SEPs, and more.
At Creative Wealth Management, we will examine each of your existing vehicles and determine how to best update your current portfolio to offset risk and achieve your retirement goals. Often, retirement planning looks like a system of budgeting and investing in ways that are most likely to assure the best return for a given level of risk over time.
While no financial strategy is guaranteed, we can promise that we will fulfill our fiduciary duty to you by providing the information and tools you need to make an informed decision about your financial future.
Mutual Fund Advisory
Mutual funds have many benefits and drawbacks. Let us evaluate and compare what you have and discover if it truly fits your goals.
Whether you have invested in a mutual fund or are considering investing, it is worth taking the time to discuss your overall investment goals with the team at Creative Wealth management.
Mutual funds have many advantages. They are often a convenient way to diversify one’s portfolio and they are usually designed to offset risk as much as possible. However, they also come with administration fees and load fees charged by the broker or salesperson.
Additionally, investing in several mutual funds may lead you to believe your portfolio is more diverse than it is. Mutual funds are a mix of stocks, bonds, and other securities. So, if one mutual fund has the same mix of stocks as another, you may have simply purchased more stock in the same companies when buying a second mutual fund.
At Creative Wealth Management, we will study your existing investments and help you decide which vehicles are most likely to help you achieve your financial goals. We want to help you invest your hard-earned money appropriately so that you can use it to enhance your life.
Every type of investment, including mutual funds, involves risk. Risk refers to the possibility that you will lose money (both principal and any earnings) or fail to make money on an investment. Changing market conditions can create fluctuations in the value of mutual fund investment. In addition, there are fees and expenses associated with investing in mutual funds that do not usually occur when purchasing individual securities directly.
Investors should consider the investment objectives, risks, charges and expenses of an investment company, and variable annuities and their underlying funds. This and other important information about investment companies and variable annuities are contained in the prospectus, which can be obtained from your financial advisor and should be read carefully before investing.