Investment Management
Investment Management That Matches Your Objectives
At Talents Financial Planning & Wealth Management, we recognize that effective investment management is essential for achieving your financial goals and securing your future. Our comprehensive investment management services are designed to help you build a diversified portfolio that aligns with your objectives and tolerance for risk and volatility.
Do you have an Investment Policy Statement?
Endowment Funds, Pensions, Non-Profits and foundations, as well as large institutional asset managers use Investment Policy Statements to give clear directives on managing their assets. If you are hiring an investment manager to invest your money, you should too. An investment policy statement (IPS) is a formal document that that outlines the rules you want in place for managing your investments. It defines the type of investments you want, your investment goals and objectives, your comfort level with risk or volatility, allocation, liquidity needs, investments strategies, allocation and even specific companies and sectors you are interested in or want to stay away from.
At Talents Financial Planning & Wealth Management we treat your investment with the same care and accountability as you would expect from any large institutional asset manager. The only difference is that at Talents Financial Planning & Wealth Management you get personal one-on-one care and attention.
Understanding Your Investments
The foundation of our investment management service is the creation of a tailored Investment Policy Statement (IPS). The IPS serves as a roadmap for your investment strategy, outlining your financial objectives, risk tolerance, time horizon, and investment preferences. Here’s how we develop your personalized IPS:
Assessing Your Financial Goals
We begin by understanding your short-term and long-term financial goals. Whether you’re saving for retirement, a child’s education, a major purchase, or building wealth, we ensure that your investment strategy is aligned with your specific objectives.
Determining Your Risk Tolerance
Your risk tolerance plays a crucial role in shaping your investment portfolio. Through a detailed assessment, we evaluate your comfort level with market fluctuations and potential losses. This helps us determine the appropriate mix of investments that balances growth potential with your risk tolerance.
Establishing Your Time Horizon
The length of time you plan to invest significantly influences your investment strategy. We consider your time horizon to select investments that match your needs, ensuring that your portfolio is structured to pursue optimal returns over the appropriate period.
Defining Investment Preferences
We take into account your preferences regarding investment types and asset classes. Whether you prefer a conservative, moderate, or aggressive approach, we tailor your portfolio to reflect your unique investment style and values.
Ongoing Portfolio Management and Monitoring
Investment management is an ongoing process. Our team provides continuous monitoring and regular reviews of your portfolio to ensure it remains aligned with your goals and market conditions. We make adjustments as needed to respond to changes in your financial situation, investment objectives, and economic trends.
Building a Diversified Portfolio that's Right for You
Diversification is key to managing risk and enhancing returns. Our experienced advisors construct a well-balanced portfolio that includes a mix of various investment types. Here’s an overview of the investment options we may include:
Mutual Funds
One of the most common investments in the market today, mutual funds pool money from multiple investors to invest in a diversified portfolio of securities. These funds offer diversification and professional management, allowing you to access a broad range of assets with a single investment.
Exchange-Traded Funds (EFTs)
Similar to mutual funds, exchange-traded funds (ETFs) pool money from multiple investors and invest in a diversified set of securities, however they are designed to track an index or a specific investments sector. These investments may allow a more targeted approach to investments and areas of the market you want represented within your portfolio and can usually offer lower expense ratios and better tax efficiency then mutual funds.
Individual Equities
Investing in Individual stocks allows you to own a share of a company and benefit from its growth and profitability. While this may concentrate risk it also allows you to focus on stocks with more growth potential relative to other stocks or companies that offer attractive dividend yields.
Bonds
Individual bonds offer a more stable and predictable income stream compared to stocks. We offer bonds across the risk and rating spectrum from government and municipal bonds to corporate bonds, and municipal bonds into your portfolio to provide diversification, reduce volatility, and generate steady returns.
CD's, Money Market, and Cash Equivalents
Certificates of Deposit and Money Market funds can sometimes offer higher interest rates then a typical checking or savings account at a bank. We also act as a broker when buying and selling CD's which means that selling a CD prior to its maturity date does not trigger a penalty for "breaking the CD" like it can at a bank.
Alternative Investments
Alternative investments, including private equity, structured notes, and options contracts, offer unique opportunities for growth and diversification. Because of the increased risk associated with these investments, not all investors may qualify and additional evaluation may be needed to determine suitability.
Diversification does not assure a profit or protect against loss in declining markets, and diversification cannot guarantee that any objective or goal will be achieved
Why Choose Talents for Investment Management?
- Personalized Approach: We tailor an investment policy to meet your unique financial objectives, tolerance for risk, and investment preferences.
- Experience: Dave Baldwin CFP® has nearly 20 years of experience in financial services and our partnership with Commonwealth Financial Network® provides access to a team of investment specialists.
- Comprehensive Services: We offer a comprehensive suite of services that cover every aspect of financial planning and wealth management to meet your financial needs.
- Dedicated and Ongoing Support: We continuously monitor your investments and make adjustments as they are needed to keep you on track towards your financial goals.
The Financial Advisor(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state. Please check Broker Check for a list of current registrations.
Dave Baldwin (CA Insurance Lic #0F04767) is a registered representative and investment advisor representative with/and offers securities and advisory services through Commonwealth Financial Network®, Member FINRA/SIPC, a Registered Investment Adviser. Fixed insurance products and services are separate from and not offered through Commonwealth Financial Network®.
Tax preparation services offered through Talents Financial Planning and Wealth Management are separate and unrelated to Commonwealth Financial Network®.
Information presented on this site is for informational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any product or security.
Form CRS: Client Relationship Summary
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