Investing Can Feel Overwhelming. It Does Not Have To Be That Way.
Your investments play a significant role in your long-term plan and your investment success is largely driven by creating an appropriate strategy aligned with your objectives and most importantly, sticking to it. Yet it can be difficult to know where to start with so many options and opinions from co-workers, neighbors or the news.
“The individual investor should act consistently as an investor and not as a speculator.” – Ben Graham
How is Your Money Managed?
With you at the forefront. Every individual and family has different wants and needs - determined by our planning work - for their money, which impacts the appropriate strategy. That is why your investment strategy is based on both your financial plan and your personal Investment Policy Statement, a guide outlining your objectives, risk tolerance, time horizon and more.
Every investment recommendation is based around enhancing one or more of the following characteristics:
- Improving return potential
- Lowering risk exposure
- Lowering investment expenses
- Reducing tax cost
Your strategy will be built around a prudent philosophy, consisting of a diversified portfolio of low-cost, tax efficient mutual funds and ETF's (Exchange Traded Funds) within an appropriate asset allocation. CWA custodies client assets at Charles Schwab and utilizes both passive and actively managed investments.
What’s Included in Investment Management
A portfolio aligned with your goals, values and risk tolerance
Implementation, monitoring, quarterly reporting and adjusting as needed
A tax-aware approach, helping you keep more money in your pocket
A well-diversified portfolio to maximize return and reduce risk
Periodic rebalancing to manage fluctuations in the asset allocation
Pension Plan Consulting
In addition to personal investment management services, Crest Wealth Advisors also provides pension plan services. This service includes assistance with plan construction, investment selection and monitoring and participant education.