In the last post, we talked about our first core investing belief, that asset allocation is the most important decision in investment management. This post introduces our second core investing belief, that changing financial markets require continuous monitoring and tactical flexibility.
This philosophy is contrary to the typical buy-and-hold approach that investors have been persuaded to embrace. Many people are convinced the proper way to invest is to simply leave their money in the market and hope for a decent return. We believe there is a better way! We feel investors should emulate the large, institutional investors by taking a more sophisticated, tactical approach to investing.
At Willamette Investment Advisors, we maintain a forward-looking investment process that is focused on long-term trends in the financial markets. So, depending on what is taking place in the financial markets, we adjust our clients’ mix of investments to both mitigate risk and take advantage of investment opportunities.
With record low interest rates and extreme stock market volatility, how are your investments positioned for what lies ahead? Give us a call; we’d love to discuss it with you.
We are excited to announce we have moved to a new office location.
Our new office is in a more visible and well-travelled location on the corner of 9th Street and Oak Avenue, just south of Walnut Boulevard in Corvallis. The new address is 520 NW Oak Ave, Suite A, Corvallis, Oregon, 97330.
If you are in search of a financial advisor to discuss your retirement plan or other investments, give us a call or stop by our new office!
I recently re-read a few chapters of a good introductory book on investing called “The Art of Investing & Portfolio Management.” I think one of the best chapters for individual investors to read is the chapter on what to look for when selecting a financial advisor. Here are the bullet points (I’ve given you some expanded excerpts on the first two as I feel these are of critical importance):
1) The Advisor Is a Registered Investment Advisor (RIA)
“We strongly encourage you to work only with professionals who… are RIA’s. The reason: RIA’s have a legal fiduciary responsibility to provide their clients with the highest possible standard of care. As a fiduciary, an RIA is required by law to always look out for your best interests and to completely and objectively disclose all important information in his or her dealings with you. By contrast, a stockbroker is not legally required to always work in your best interest.”
2) The Advisor Uses a Fee-Based Compensation Structure
“You’ll pay a fee-based advisor a percentage of your portfolio’s assets each year, as opposed to a commission on each transaction. As a result, a fee-based advisor’s interests are aligned with you own: The advisor does well only if your portfolio does well.”
3) The Advisor Is Consultative
4) The Advisor Incorporates Superior Capabilities at All Stages of the Process
5) The Advisor Is Someone with Whom You Feel Comfortable Working
Note: I am an Investment Advisor Representative (IAR) of KMSFinancial Services, Inc., a federally Registered Investment Advisor(RIA).
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