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Client Project
copy (excerpt) A Unique Approach At the WealthHarbor Capital Group, we take a unique approach to investing, one that's rarely found elsewhere in the financial services industry. While others chase performance and ride the market's highs and lows, the core of our philosophy is that the preservation of assets is fundamental. In order to accumulate the most wealth until the end of an investment period, the most important thing one must do is avoid big declines. Take, for example, a portfolio that enjoys a ten percent gain and then suffers a ten percent loss (or vice versa). The loss will have a disproportionate effect on the assets' total because the portfolio now has to catch up to where it had been. In addition, the portfolio will no longer be able to leverage the lost assets' compounding power. It is foolish to chase performance when performance is unpredictable and fleeting. One year's top asset class may be the next year's worst. It is far better to harbor your wealth. The two principals of the WealthHarbor Capital Group each have over twenty years experience in managing assets and choosing investments. We developed our approach from our years of experience with the markets. We think you'll find our investment philosophy compelling. Achievable Goals Unfortunately, the financial advisory industry overall has not served the public well. Advisors as a rule do not prepare their clients for what they can realistically expect from the markets. Rather, advisors' traditional approach is for them to ask about someone's risk tolerance and financial objectives, then plug the investor into a pre-set asset allocation model. What's missing is an examination of the question, "What is the likelihood of success in achieving these objectives?" WealthHarbor Capital Group seeks to inform its clients on what an investor can realistically achieve based on historical market data. We aim to synchronize the expectations of the advisor and the client by teaching about the importance of risk management and our long-range view of investing. As America's population is living longer, the need to maintain wealth is greater than ever. Assets need to work through retirement while expanding with inflation. Many advisors don't know about or choose to ignore the detrimental effects even occasional declines can have on the value of a portfolio. As a result, their clients end up with less money for their retirement years than they should have. At WealthHarbor, we take a long range view of the markets and know how to realistically balance risk and opportunity. |
