We create an investment strategy that fits your specific planning needs
Asset classes fall under 5 broad categories:
Initially, we identify a broad set of diversified asset classes to serve as the building blocks for your portfolio. Our approach also evaluates each asset class on its potential for capital growth and income generation, volatility, correlation with the other asset classes (diversification) and inflation protection.
The methodology behind ChangePath's investment philosophy is designed to:
Identify an ideal set of asset classes for the current investment environment.
Select efficient and effective strategies to represent a set number of asset classes.
Determine an investor’s risk tolerance to create the appropriate portfolio.
Assign allocations among the chosen asset classes to mirror risk tolerances.
Perform continual monitoring and periodic rebalancing of portfolios
Research has consistently found the best way to maximize returns across every level of risk is to combine asset classes and allow individual securities to generate alpha. (Markowitz, 1952; Sharpe, 1964; Brinson, Hood & Beebower, 1986; Brinson, Singer & Beebower, 1991; Ibbotson & Kaplan, 2000)
Investment Advisory services offered through ChangePath, LLC a Registered Investment Adviser. ChangePath, LLC and Haven Wealth Management are unaffiliated entities. Licensed Insurance Professional. We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives. Investing involves risk, including the loss of principal. No Investment strategy can guarantee a profit or protect against loss in a period of declining values. Any references to protection benefits or lifetime income generally refer to fixed insurance products, never securities or investment products. Insurance and annuity products are backed by the financial strength and claims-paying ability of the issuing insurance company.
The information is not intended to be investment, legal or tax advice. The agent can provide information, but not advice related to social security benefits. The agent may be able to identify potential retirement income gaps and may introduce insurance products, such as an annuity, as a potential solution. For more information, contact the Social Security Administration office, or visit www.ssa.gov.