Investment Planning

Our strategic and tactical approach reduces emotion and prudently manages assets to increase the probability of meeting a client’s long-term financial goals. Portfolios are tailored to our client’s specific facts, risk tolerance, and strategy preference and where appropriate integrated into CFM Horizon , which serves as their financial road map. To accomplish this, our portfolios are designed to incorporate the following:

  • Proper diversification and strategic asset allocation to reduce “idiosyncratic” risk and align the baseline portfolio risk/return characteristics with the investor’s goals.*
  • Dedicated allocations to help dampen volatility: higher quality equities, active managers, passive assets, and liquid alternatives.
  • Tactical allocations that focus on reducing downside exposure; these are done methodically, based on market and economic fundamentals.
  • CFM Horizon long-run cash flow projections, which assist in determining the appropriate risk/return portfolio profile and, when needed, help develop a portfolio waterline – the asset value required to help meet the client’s future obligations.

*Asset Allocation or diversification do not guarantee a profit or protect against a loss.

Please Note: The scope of any financial planning and consulting services to be provided depends upon the specific requests and needs of the client. Capital Advisors, Ltd., LLC (“Capital Advisors”) does not serve as an attorney, accountant, or insurance agent. Capital Advisors does not prepare legal documents or tax returns, nor does it sell insurance products. If the client desires, one of Capital Advisors’ representatives, in their separate individual capacities, can be engaged to be provide insurance sales/services as described on Capital Advisors’ written disclosure Brochure (a copy of which is linked to this web site), per the terms and conditions of a separate engagement and fee.