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Investment Philosophy

Protect your Money. Avoid Costly Mistakes.

We are affiliated with one of the largest independent broker/dealers in the country. Securities America, Inc. does not have any proprietary investment or financial products. It is our goal to find some of the best financial solutions available in the market and offer them to our clients.

Investing Begins With You

While it is easy to get caught up in the state of the economy or the latest “hot” stock, we believe passionately that the way you invest should be aligned with where you are in your life…not with the short term ups and downs of markets. We call this approach Asset Class Investing and believe it makes good sense as you plan for both today and tomorrow.

There are 3 things to remember about how Asset Class Investing can work for you and your family:

  1.  It is an approach designed to help you manage towards your most important goals rather than short term market trends.
  2. It is based on science and academic research. It combines the latest discoveries in economics and investing with almost 90 years of Market data and insights.
  3. It is a disciplined and structured approach. It helps protect against the common behavioral mistakes that can compromise your long-term financial goals.

Institutional Money Management

Asset Class Investing is the central factor in building your investment plan. However, we strive to provide additional value by utilizing a select group of independent institutional money managers who are specialists in their respective disciplines. Through our associations with these money managers, you gain access to prominent managers with tools and techniques that were previously unavailable to all but the largest institutional investors. They offer resources and experience, such as a sizable analyst staff dedicated to daily review and design of your portfolio.

Alternative Investing

An alternative asset’s lack of correlation with traditional assets gives a portfolio the potential to increase or stabilize returns. To further the benefits of diversification, thereby helping to reduce volatility in the portfolio, we add alternative investments such as market neutral investments, REITS, structured CD’s, and non-correlated investments (gold, oil & gas, managed futures, etc). These asset classes are not easily understood, require a higher level of professional management, and are not suitable for everyone. (Alternative investments carry a higher degree of risk than traditional investments and are typically illiquid investments. Alternative investments are typically subject to higher fees and charges than traditional investments.)   

Time and Risk/Return Correlation

A portfolio is designed with time and volatility in mind. Time frame is at the foundation of any portfolio. When the assets are needed dictates the amount of volatility a portfolio can retain for the desired result. The shorter the time frame the less volatility a portfolio should retain. Each portfolio is constantly being monitored to efficiently connect the financial goal due date to its associated risk factor. We design portfolios for cash reserve, portfolios meant to distribute income, and portfolios meant to accumulate for future goals. Each financial goal should have a separate portfolio with a unique time and risk/return correlation to help the probability of success of that goal. No one portfolio should serve all financial purposes.  

Review Process

Our portfolio reviews are done throughout the year. In our portfolio review process, we incorporate several benchmark measures to ensure the efficiency of the risk/return relationship of the portfolio. We report on the portfolios rate of return progress as well as provide standard deviation (volatility) feedback. We constantly review to ensure the quality and investment objectives of our money managers. In summary, our extensive review process provides our clients with the necessary information to make informed and prudent investment decisions in line with ever changing market conditions.

Free Portfolio Stress Test Offer

Do you know where you stand with your current portfolio? Strategically, are you satisfied that you’re properly invested and rebalanced? Tactically, are you prepared for dramatic short term changes based on potential market events? The stress test is a complimentary assessment (with no obligation) based on a comprehensive modeling of potential events and how they might affect your current assets.

Plan to meet with a qualified Fichter Wealth Advisor for approximately one hour. Please respond using the contact form or call us at (716) 631-3232.

Thank you for considering Fichter Wealth Management, Inc.