Investment Management

We start by reviewing your personal risk tolerance — how much risk you’re willing to take and which types of risk most worry you. Your risk tolerance is determined by a combination of factors, including your investment goals and experience, how much time you have to invest, your other financial resources and your “fear factor.”

We talk a lot about risk. To help us understand your risk tolerance, we start with a quick quiz:

One of the great things we have available to us here at Peak Wealth is access to hundreds of strategists with our UMAX platform.  We believe in diversification not just by asset class but also by strategist. Our partnering strategists give us access to an army of CFAs (Chartered Financial Analysts) on our bench to assist in designing portfolios so we can diversify by philosophy and execution style, not just asset class. 

Once the portfolio design and implementation is complete, the monitoring process begins. This includes monitoring each strategist's performance relative to their benchmarks on a weekly basis as well as rebalancing quarterly (or as-needed based on the markets). At the time of each meeting, we ask our clients to take a new risk quiz to ensure the current risk of the portfolio is still appropriate.

For clients who are retired and taking portfolio withdrawals, we set aside enough cash in their short-term bucket for one year's worth of withdrawals, which helps us fund their cash flow needs without needing to sell investments in down markets. 

So you've established an asset allocation strategy that is right for you, but at the end of the year, you find that the weighing of each asset class in your portfolio has changed. What happened?

Over the course of the year, the market value of each security within your portfolio earned a different return, resulting in a weighting change. Portfolio rebalancing is like a tune-up for your car: it allows individuals to keep their risk levels in check, minimize risk, and maximize opportunity.