Investment Planning – Cravitz Financial & Insurance Solutions

Investment Planning


No two investors are alike. 

Imagine trying to lump a 60-year-old, sedentary senior with a 20-year-old athlete into the same fitness program. It just will not work.

Much like this analogy, it is critical that your investment management strategy is tailored to meet your individual financial goals.  

It's important to understand your:

  • Risk tolerance: how comfortable are you with risk within the investment landscape?
  • Time horizon: when are you needing or wanting to have access to your money? 
  • Tax situation: what types of investments should you hold in which accounts.
  • Cash requirements: balancing your long term financial goals with your short term needs.

Often I find people have investments that are not in line with their financial goals. 

Some people are subjecting themselves to far more market risk than they need to. 

Others probably aren't taking enough risk.  If your money is in a savings account you don't need to worry about losing money in the financial markets.

However, you also need to be aware of inflation risk. In other words, if you are earning 2% and inflation is 4% as an example, your money is not keeping up the cost of the living.  Over several years this can have a huge impact.

When evaluating a portfolio we believe in the importance of stress testing.

Don’t panic! We won’t be putting you on a treadmill to test your heart performance while we hurl interest rates at you!

We are talking about stress-testing your portfolio through a variety of different scenarios in order to understand how your portfolio will respond to various economic events or stressors.

In other words, we want to find out how financially healthy your portfolio really is. This assessment helps us see if there are any concerns, and tells us what adjustments might be needed.

Our ultimate goal is to maximize your investment returns using a disciplined investment philosophy combined with careful risk management.

One of the tools I use is called Riskalyze. It helps to determine how much risk an investor currently has in their portfolio. It can also help to determine how much risk an investor is comfortable taking.     

I encourage you to click below and learn more. It only takes 5 minutes to find out your risk number. 

How much risk are you taking? Are you talking too much?  Are you not taking enough?


CONTACT

16755 Von Karman Ave. Suite #200
Irvine, CA. 92606
1-714-462-9155
Ryan@CravitzFinancial.com

Investment advisory services offered through Brookstone Capital Management, LLC (BCM), a registered investment advisor. BCM and Cravitz Financial & Insurance Solutions are independent of each other. The content of this website is provided for informational purposes only and is not a solicitation or recommendation of any investment strategy. Investments and/or investment strategies involve risk including the possible loss of principal. There is no assurance that any investment strategy will achieve its objectives. Information provided is not intended as tax or legal advice, and should not be relied on as such. You are encouraged to seek tax or legal advice from an independent professional.  Insurance products and services are not offered through BCM but are offered and sold through individually licensed and appointed agents.  CA Insurance License #0C86000.

Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims-paying ability of the issuing company and are not offered by Brookstone Capital Management. Index or fixed annuities are not designed for short term investments and may be subject to caps, restrictions, fees and surrender charges as described in the annuity contract.

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