Our Approach to Investing
ARS Wealth Advisors is committed to providing skilled investment management to all of our clients. Although no two portfolios are alike, they are all managed in accordance with our firm's basic operating philosophy:
Meet and exceed the increasingly diverse investment needs of our clients.
As Registered Investment Advisors, our investment objective is quite simple:
Maximize returns while minimizing risk.
We do not employ get-rich-quick strategies or "hot-tip" investment products. We use a disciplined process that sophisticated institutional investors have followed for decades in managing their investments.
In developing an investment plan, we first gather information to determine an investor's goals and objectives. We then determine the investor's expected returns and risk tolerance. Once we have a clear understanding of the investor`s goals, objectives, and tolerance for risk, we then build an investment portfolio to meet the stated objectives while managing the overall risk in the portfolio. Once the portfolio is created, we then provide continuous monitoring of the investments to ensure that it remains consistent with the client's agreed-upon asset allocation and performance expectations.
Based on the asset allocation model that is best suited for your specific needs, we then use the following investments to meet your objectives:
- Global Stock Strategy (Small-Cap, Mid-Cap, Large-Cap, International, Value, Growth)
- Bonds (Corporate, Government, High Yield/Floating Rate, Global Bonds)
- Preferred Stock
- ETFs (Exchange Traded Funds)
- Mutual Funds (We only use high quality "no load" institutional class funds which offer a lower expense to our clients)
Balancing Your Portfolio
Research has shown that approximately 91% of a portfolio's investment return is due to effective asset allocation; that is, how effectively your money is allocated between different asset classes (e.g., stocks, bonds, money markets, etc.). Only 5% of the return is due to stock pricing and 4% due to market timing.
By diversifying your portfolio into different asset classes, we can help protect against poor performance in one type of investment while including investments most likely to help you achieve your financial goals and objectives.
Maintain a Long Term Perspective
For most individuals, the best discipline is staying invested as market conditions change. Reactive, emotional investment decisions are all too often a source of regret and principal loss.