| The Cornerstone of Financial Independence is not a privilege of the rich... | | | It's a plan of the wise...® |
 The
concept of Cornerstone® Planning stems
from the simple "plan of the wise" statement above. By following
the process that we have put together, you will have the benefit of the
collective investment wisdom which we have acquired since 1977 in this business.
We have been through both bull and bear markets, as well as periods of high
and low interest rates. Why not benefit from our learned wisdom now rather
than make costly mistakes as a result of investment inexperience?
As you are probably aware, the
road to financial freedom is covered with many obstacles such as taxation,
inflation, bear markets, unexpected expenses and pre-mature death. A good
investment plan needs to recognize the potential obstacles that you will
encounter along this road and make appropriate recommendations that suit
your unique situation.
"There's no time like the present to start building
for your future"
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There is a long-held axiom in investing
about the relationship between risk and reward where normally the more
risk you take, the greater the long-term reward. The danger with this
belief of course, is that some investments are so risky that they fail
and there is no reward. If you make too many wrong choices, you may not
have much to show for your investment experience. What we strive for with
our portfolio recommendations is a customized asset allocation for you
with sufficient diversification of investments to achieve your desired
long-term results with the least amount of risk.
A customized portfolio cannot be
created in a vacuum. Your input is critical. By working together, we try
to learn your individual needs, circumstances, and attitudes towards certain
types of investments and make suggestions that reflect your personality.
To assist us in this regard, we have developed our own documents such
as The Notepad ™
and The
BluePrint ™ which you will see referred to throughout
this website.
There are also several model investment
mixes which we have put together for illustration purposes to show asset
allocation and diversification in action for different investor situations.
Just click on the Model Mix link on this page to see the samples.
Simply building the “right”
portfolio is not enough.
Your needs and circumstances will
change over time. Although we do not advocate frequent changes to a portfolio,
it is important to monitor you investment mix on a regular basis to ensure
that you are on track for your goals and that any significant changes
in your personal situation are addressed. Cornerstone®
Planning is designed for regular scheduled reviews and updates with your
Fiscal Agents account manager.
Investment Objectives |
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