With more than 12 years of solid wealth management experience, Pam uses a strategic investment approach that is focused upon and changes with each clients’ unique goals, risk tolerance, and income needs as well as changes in the broader world economic picture.
Once your financial goals, time frame, risk tolerance and the amount of money you want managed is made clear, then a portfolio is structured which can include all major and minor asset classes. The amount of the portfolio that any given asset class uses is set for the long term strategy. And short term or tactical changes are made to adjust for changes with either or both client needs and economic changes.
Fee-based Investment management is carried out on various LPL Financial advisory platforms. Flournoy Wealth Management provides structuring, monitoring and rebalancing. Clients may also opt for theme-based investing with LPL or a chosen investment manager.
- Minimize taxable income.
- Defer tax on investments or pay the tax now rather than at a higher rate later.
- Capital Gain management through tax loss harvesting to offset future capital gains.
- Employee Stock Options and Restricted Shares.
We care about and treat our clients’ money as if it was our own. We work to grow your money at the rate that is needed to achieve your goals and with the minimal risk to accomplish this. This drives the asset allocation equation. We have access to numerous types of asset classes for our clients including stocks (U.S., global, foreign. emerging market) and even small-cap emerging market, bonds, commodities, investments that focus on natural resources, managed futures, real estate and cash.
Diversification among asset classes and the need for non-correlation between at least some of the asset classes is key to our asset allocation strategy because it aims to minimize volatility and risk. Keeping investment expenses (seen and unseen) low is very important so we use various types of investments to manage cost.
Using the highly respected, independent research department of LPL Financial and Morningstar is a key part of our due diligence when selecting investments for our clients. Attending CE classes and conferences on various investment products, and estate and tax planning issues are also part of our investment choice and financial planning processes. Our portfolios are monitored against established benchmarks.
- Mutual Funds (Index and Managed)
- Exchange Traded Funds (ETFs)
- Alternative Investments
There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not ensure against market risk. No strategy ensures success or protects against a loss. Investing involves risk including potential loss of principal.
Fees are agreed upon based on investment platform and size of account(s) under management, and client relationship.