Investment Strategies

As a rule, the most successful investors are those who follow a personalized investment strategy that guides their decision-making process. But what is the best investment plan? We believe the best investment strategy is one that is tailored specifically to you; a strategy that incorporates your goals and risk tolerance, among other factors.

An effective investment strategy considers:

●     The best mix of products that achieve your goals
●     Life insurance as an asset class that is essential to your portfolio and your legacy
●     Strong asset protection both now and after you pass

To achieve these objectives we use LiSERT™, our unique asset rating scale. LiSERT™ helps us pinpoint your needs with laser accuracy to create your Ultimate Portfolio.

We Use LiSERT to Identify Our 5 Most Important Asset Elements

Introducing LiSERT™, our groundbreaking asset rating scale that establishes the five most critical asset elements essential to your success:

●     Liquidity
●     Safety
●     Expenses
●     Rate of Return
●     Tax Efficiency

The scale allows us to remove emotion from the decision-making process and judge investment plans on their own merit.

Using the scale involves rating each asset in the five LiSERT™ categories with a number between 1 and 20 based on asset performance as it relates to other assets. Assets that are below average in a category will fall between 1 and 9. Above-average assets in a category land between 11 and 20 while a strictly average asset is scored at 10.

For example, treasury bonds are above average in terms of tax-efficiency so they might score closer to 20 in that category. On the other hand, the tax-efficiency of actively managed stock funds is below average so they might receive a score closer to one.

Once you score each category, add up the numbers to establish an overall LiSERT™ score. The goal is to achieve a composite score as close to 100 as possible. A 100 score represents a perfect asset. While the perfect asset doesn’t exist, it’s a worthwhile benchmark to strive for as we create the Ultimate Portfolio for you.

Allow us to show you how it all comes together to create a personalized investment plan for your retirement investing, healthcare and tax and legacy wealth strategies.

Why Us?

When it comes to investing, one size doesn’t fit all. Your best results come when you combine your personal goals and aspirations with sound investment strategies. That’s why we created LiSERT™; to put you first. Everything we do is designed to consider your needs and wants, not services we want to convince you that you need.