Many of us might invest to mitigate inflation and taxes with tax-deferred accounts.
If we do not earn a reasonable rate of return on our retirement savings, we can lose buying power. For this reason, we must understand that, at this point in our lives, investments should only be used to support strategies within the retirement plan. Money that will be used to supplement our retirement income in five years should be invested differently than money that will be used in 15 years. And money in tax-deferred accounts, after-tax accounts, and Roth accounts each have unique uses and should be invested accordingly.
At Fresno Financial Advisors, we employ a hands-on investment management process designed to help maximize each client’s returns while minimizing risk.
Our investment management services are highly customized, based on your return objectives, risk adversity, and tax status of your accounts. We firmly believe that investment returns should be measured for consistency and that added protection from market losses is crucial to long-term performance.
At Fresno Financial Advisors, our investment philosophy is well-grounded and evidence-based. We adhere to a disciplined approach and focus on tax efficiency, low-cost investing, diversified holdings, and asset allocation.
As your trusted fiduciary, Sean generates an investment pathway that best fits your financial life. No decision is made without keeping you informed. Your investment portfolio is in full alignment with your holistic financial plan.
We abide by a strict list of principals that we believe propel us to offer the best investment strategies we can:
We are a provider of WealthGuard™, an incredibly simple, yet powerful, early warning system that monitors all your investment accounts daily, so you can invest with the added confidence that there’s a plan in place to help protect your investments in all market conditions. Providing you with added peace of mind, WealthGuard™ securely tracks all of your accounts in one place, including asset allocation and overall performance, and immediately alerts you of any changes via email and/or text message. More importantly, WealthGuard™ notifies you, your advisor, and your money manager so a specific plan of action may be taken to help protect your accounts while keeping you focused on your long-term investment goals.
And since WealthGuard™ monitors all your accounts automatically, it can watch over your 401(k), self-managed investment accounts, and accounts managed by financial advisors at nearly every firm in the United States.
WealthGuard™ is a complete portfolio monitoring system. Designed by determining the amount of downside risk a client is willing to tolerate, WealthGuard™ is added to client accounts to help protect from downside risk. WealthGuard™ is not a stop loss strategy. When the account value in the portfolio hits the targeted downside value, an alert is sent to the client, advisor, and money manager. The money manager trades the account as indicated on the WealthGuard™ agreement.
There is no guarantee the exact WealthGuard™ value will be captured, or assets will be traded or liquidated the same day the WealthGuard™ value is reached due to time of day and/or market restrictions. WealthGuard™ is not responsible for any tax implications that may result due to the liquidation or trading of the holdings. FormulaFolio Investments is not responsible for any errors or omissions in the information used to prepare your WealthGuard™ percentages.
WealthGuard™ does not make any representations or warranties, whether expressed or implied, regarding investing in securities or investment products. WealthGuard™ makes no warranties to the legality or suitability of any investment product.