At Infinity Financial Group we customize your portfolio based on several factors. Not only do we look at risk tolerance (the ability to ignore ups and downs in the stock market), but we also look at risk capacity (the need to preserve or grow a portfolio based on stage of life). A couple in their late fifties may be accustomed to the volatility in the stock market and therefore be more aggressive investors. If the same couple plans on retiring in five years, their risk capacity would be much lower than their risk tolerance. Combining these factors with our client's goals allows us to build portfolios based on each individual's needs, as well as wants.
We partner with some of the most established and experienced investment firms to attempt to pursue this outcome. Over long periods of time this approach has the potential to puruse market like returns, while helping investors to sleep at night during market downturns.
Each time we meet, our clients should come away from the meeting with a little more knowledge of what they are doing and why they are doing it. We do not expect our clients to be investment experts, however we do expect them to follow their financial plan.
Most firms believe that asset allocation is limited to stocks, bonds and cash. Our philosophy is that portfolio volatility and risk can be reduced by blending in smaller percentages of alternative investments. This includes using investments such as Managed Commodity Futures, Real Estate Investments and Oil & Gas, which may offer significant tax benefits as well.
Investments in securities do not offer a fix rate of return. Principal, yield and/or share price will fluctuate with changes in market conditions and, when sold or redeemed, you may receive more or less than originally invested. No system or financial planning strategy can guarantee future results.