Taking a RiskSmart efficiency centric approach to investing.

The real measure of risk is whether or not you have to change your lifestyle because you failed to meet your financial goals or investment objectives.

While investors may view risk in a number of ways, the perspective you take may impact how likely you are to succeed.

The industry has ingrained the idea that investors should measure risk by comparing performance to a market index (or benchmark), such as the S&P 500 or NASDAQ. So, if it was a tough period and the benchmark was down 10% but your investment portfolio was down 8%, you “outperformed.”

Relatively speaking, that’s not bad. Yet the fact is you’ve experienced a considerable decline, which may increase the odds you make an emotional investing mistake. These mistakes, especially without a game plan become more likely for those fast approaching a major financial milestone, such as retirement.

RiskSmart investing focuses on avoiding unnecessary risks reducing the potential your portfolio sees a decline so extreme you might take action at the wrong time.

Another approach – likely to provide you with a more helpful long-term perspective – is to look at risk in a personal way. That is, risk can be based on your unique life goals (rather than the market alone) and the probability of meeting or falling short of those goals. This is better known in investment terms as a goals-based approach. After all, investing should be about achieving the future you want, whether it’s affording a satisfying retirement, your children’s education or a major home renovation.

WealthFactor provides a hybrid digital wealth management experience. By augmenting both the aggregation and collection of data and filtering it through the unique experiences of industry veterans. Our process, which focuses on risk efficiency, can build a portfolio that puts you on track by while seeking to minimize risks that don’t make sense for your individual situation. Our business is centered around the idea that high fees force unnecessary risk when professionals offer investment services.

Gauging portfolio risk and performance, should be tracked by the total returns of your portfolio (not the relative returns compared to an index) and determining whether or not your goals are within reach. We believe the greatest influence we as investment services professionals can impact our client’s success is through a dedication to fee, risk and tax efficiency.

Portfolios that avoid unnecessary risk are positioned to take advantage of downside volatility.

Portfolios that start without unnecessary risk are in a better opportunity to take advantage of lower prices during market declines. Achieving your financial goals – especially your long-term goals – through investing requires a highly disciplined approach that can navigate the ups and downs of the market. I can help you maximize returns and minimize losses by integrating a number of important investment techniques, such as:

· Personalized Investment Plan – Having a plan makes it far easier to avoid investment mistakes.

· Diversification – Certain investments, asset classes or market segments perform better at different times. It’s important to avoid concentrating your portfolio in one particular area only, since you will risk missing out on attractive investment opportunities in other markets.

· Investing early – To reach your long-term financial goals, you need to begin investing as early as possible and for the long term. This will help you compound your earnings as you generate more returns on your asset’s reinvested earnings over time.

· Systematic investing – Making regular investment contributions, instead of random ones, can help build your wealth in a disciplined manner while keeping you invested through all market conditions to enhance your long-term growth potential.

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