Your Investments, Optimized
When we manage your investments, we consider your risk tolerance level, your present needs, and future goals to build straightforward, collaborative portfolios that feel right for you and put you on the path towards your desired future.
Optimizing Your Investments
Choosing the right investment strategy can be complex. At TMFG, we offer a quick comparison of four popular approaches:
- Active Management: Managers attempt to select top-performing assets, but many fail to consistently outperform benchmarks.
- Momentum Investing: Focuses on last year's top performers, though past performance doesn’t ensure future success.
- Buy and Hold: Invests in a single asset class long-term, which can be volatile.
- Diversification: Spreads investments across various asset classes to reduce risk and smooth out returns.
Am I taking too much or too little risk with my investments?
Are my assets divided into different buckets to address different goals and different time horizons?
Are my investments generating unnecessary taxes?
Are my accounts being rebalanced so I stay within my risk parameters?
What if you could optimize your investments?
Our ETF Portfolios, are strategically designed to range from Capital Preservation to Aggressive Growth, and are based on the principle that efficiency in a portfolio is created by asset allocation and diminished by fees and taxes.
A balanced and complementary approach
History has proven that interest-generating investments such as cash and bonds have relative stability of principal. However, they provide little opportunity for real long-term growth due to their susceptibility to interest rates and inflation.
On the other hand, equity investments have clearly enjoyed significantly higher expected returns historically, but are vulnerable to more severe volatility risk in the markets. To balance the need for safety and performance, we use several investment platforms to bridge the gap between traditional and alternative investment strategies.
How your personal portfolio is structured depends on a number of variables that we incorporate into your customized design.
These variables include your current stage in the financial life cycle, your risk tolerance and investment time horizons. In this way, we are able to better manage your money with an equal emphasis on risk management and investment performance.
What if you could optimize your investments?
TMFG’s ETF Portfolios, are strategically designed to range from Capital Preservation to Aggressive Growth, and are based on the principle that efficiency in a portfolio is created by asset allocation and diminished by fees and taxes.
A balanced and complementary approach
History has proven that interest-generating investments such as cash and bonds have relative stability of principal. However, they provide little opportunity for real long-term growth due to their susceptibility to interest rates and inflation.
On the other hand, equity investments have clearly enjoyed significantly higher expected returns historically, but are vulnerable to more severe volatility risk in the markets. To balance the need for safety and performance, we use several investment platforms to bridge the gap between traditional and alternative investment strategies.
The Optimized Portfolio System
What if you could optimize your investments?
TMFG’s ETF Portfolios, are strategically designed to range from Capital Preservation to Aggressive Growth, and are based on the principle that efficiency in a portfolio is created by asset allocation and diminished by fees and taxes.
TOPS® are ETF portfolios, which are strategically designed to range from Capital Preservation to Aggressive Growth, are based on the principle that efficiency in a portfolio is created by asset allocation and diminished by fees and taxes.
Tops Access
A mutual funds-based advisory solution that allows access to either an open architecture advisory solution or seven risk-based asset allocation models with risk profiles ranging from conservative to aggressive that may be selected based on a client’s goals, objectives, risk tolerance, and investment time horizon.
A balanced and complementary approach
History has proven that interest-generating investments such as cash and bonds have relative stability of principal. However, they provide little opportunity for real long-term growth due to their susceptibility to interest rates and inflation.
On the other hand, equity investments have clearly enjoyed significantly higher expected returns historically, but are vulnerable to more severe volatility risk in the markets. To balance the need for safety and performance, we use several investment platforms to bridge the gap between traditional and alternative investment strategies.
Education Planning
With costs of education increasing annually, college and higher education need to be paid for over time, like retirement and a home purchase. With the ability to save in advance and earn interest, especially in tax-advantaged education savings plans, creating a plan as early as possible is crucial. The alternative, borrowing money during college years and paying crippling interest afterward.
Contact us to create a game plan to start saving for your loved one’s education!
College Planning
Education Planning
With costs of education increasing annually, college and higher education need to be paid for over time, like retirement and a home purchase. With the ability to save in advance and earn interest, especially in tax-advantaged education savings plans, creating a plan as early as possible is crucial. The alternative, borrowing money during college years and paying crippling interest afterward. Contact us to create a game plan to start saving for your loved one’s education!
Together, we help create an education savings plan that takes into consideration things like the state you live in, the school(s) your loved ones may want to attend, applicable tax strategies, and your investment options. We also make sure it fits into your overall financial plan.
With the ever-increasing costs of higher education, saving for some or all of those future costs now may prove to be an investment that lasts your loved one’s lifetime.
Book your introductory conversation with us by using the calendar below!