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Below are our key conclusions when considering rebalancing as part of an overall investment management: Developing asset allocation through a thoughtful understanding of the individual client remains the most important factor. Unemotional investment decisions are essential. Rebalances are essential for long-term asset management but are not the leading factor.   At the beginning of most … Continued

As an advocate for our clients’ finances we spend a lot of time talking with clients about the decisions they make and how feelings can affect decision making.  I have told many clients that a good financial planner should be part investment-guru, part planning-guru, part-sounding board, and part-therapist.  All kidding aside, with most of our … Continued

When we meet with a new client, one of our tasks is to determine an appropriate asset allocation for the funds they invest.  At a very basic level, the question we are trying to answer is “what percentage of the investment portfolio will be comprised of equities (stocks), and what percentage will be fixed-income (bonds)?” … Continued