Investment Management
Through our unique financial planning process, Valley National Financial Advisors can create a custom investment plan to handle all of our clients’ portfolio needs.
We have the capability through Valley National Advisors, Inc., a Registered Investment Advisor (RIA), to manage each portfolio with full discretion. This allows the advisor to make changes and choose investments in accordance with the client’s financial plan and objective.
Practicing Downside Risk Management
In today’s world, fast moving markets and high levels of volatility can be intimidating for any type of investor. The framework for dealing with this type of environment is downside risk management: building portfolios with downside risk minimization. Why is this necessary? Emotions: investor emotions play a critical part of portfolio management. Only those portfolios that investors will stick with during the darkest of days will be successful long-term asset allocations. Investors who perceive that a portfolio is not responsive to the current headline news perils will be tempted to pull the plug and avoid risk when the best opportunities may be around the corner.
REAL-LIFE SITUATIONS
Clients: Mr. and Mrs. Jones, age 65, fully retired living on a fixed income.
Client Concern: Managing our own investments is not as easy as it once was. How can VNFA help?
Solutions: VNFA takes great pride in understanding our client’s objectives. After spending numerous meetings with the client’s, it became apparent that the client was not comfortable with the level of volatility their portfolio. Additionally, all the new financial products and services were hard to understand and they had trouble deciding what was appropriate for them. A conclusion was drawn that buying and holding traditional investments was no longer an appropriate solution.
VNFA created a customized, risk based, portfolio that focused on tactical investment management. This strategy was implemented over many different types of accounts in order to create the most tax efficient return for the client.
Result: The Jones’ have a comprehensive, risk appropriate, portfolio and an advisor managing their investments who knows and understands their total financial planning picture. Their portfolio is tactically managed and constantly evaluated to make sure current investments are still appropriate.
Let Us Help You: Want to learn more on how Valley National Financial Advisors creates and tactically manages client portfolios? Contact Us!
Case studies are hypothetical examples based on actual client interactions. All names have been changed. The financial planning advice given is general in nature, and based on individual circumstances, planning results may vary. VNFA does not guarantee future results. Securities are offered through Valley National Investments, Inc.—an independent broker/dealer and member FINRA and SIPC. Valley National Financial Advisors is the marketing name for Valley National Group, Inc. and its affiliates.