Creating synergies within all areas of your financial life
Every client possesses a unique situation and personal wealth management objectives. In order to have a sound financial plan, it is imperative that comprehensive planning framework is in place. We take the time to understand your priorities. We explore your past, present and future constraints.
We focus on design and the overall composition of your investment portfolio. Our process entails developing a plan, then creating an investment policy and implementing our strategy. Building the right investment portfolio means not only looking at fundamentals like suitability, risk tolerance and time horizon, but we also take into consideration other important aspects like education funding, estate planning, cash flow projections, and tax planning, just to name a few. We leave no stone unturned. At PFS 360, we acknowledge the ebb and flow of the global markets and your life circumstances which are constantly evolving. If financial conditions change, we adjust and tailor your investments to address these changes.
We focus on Strategic Asset Allocation and construct investment portfolios with a long-term perspective that maximizes efficiency in diversification and risk exposure. There are many investment professionals in the industry that take a tactical approach, attempting to time and consistently “beat the market”. We strongly believe that this is a common misconception. Not to mention, the risks and costs can be significant. A majority of academic and industry research supports the concept that markets are efficient; all investors and participants have the same overall information. As such, timing the market will not always work. And in the long-term, setting target allocations for various asset classes while periodically rebalancing has been historically proven to outperform tactical strategies.
“It’s time in the markets, not timing the market”
We evaluate your current investment allocation to determine your existing investment policy. Our goal is to develop an appropriate Investment Policy Statement to match present objectives, potential future needs, and curent risk tolerance.
The result of creating a customized Investment Policy Statement is the development of an appropriate target asset allocation model. Insights gained from the financial planning process allow us to create a customized investment portfolio.
An appropriate portfolio asset allocation model is selected to execute your customized Investment Policy Statement. We utilize appropriate security selection to coincide with capital market returns. We then benchmark those security selections to measure risk and return against a appropriate global market indices.
Quarterly performance reporting is utilized to keep the policies and the investments on track. Periodic evaluation allows for timely adjustments to portfolio model positions.
Market changes can alter your portfolio's structure. We monitor portfolio allocations closely. Our goal is to match your current portfolio allocation to the chosen portfolio model.
PFS 360 has selected Charles Schwab & Co., Inc. (Schwab) as primary custodian for our clients’ accounts. By using Schwab as primary custodian, PFS 360 has access to a wide range of products and services that help us serve our clients, including:
• Full range of investment products and trading services
• Technology and service support
• Wide array of investment account types including retirement accounts, charitable giving, and education accounts
• Full range of investment options such as stocks, mutual funds, bonds, exchange traded funds, CDs and other investments.
• Technology and service support so investors can access all their accounts online and view positions, balances and account histories in one place.
These materials have been independently produced by PFS 360, LLC. (PFS 360). PFS 360 is independent of, and has no affiliation with, Charles Schwab & Co., Inc. or any of its affiliates (“Schwab”). Schwab is a registered broker-dealer and member SIPC. Schwab has not created, supplied, licensed, endorsed, or otherwise sanctioned these materials nor has Schwab independently verified any of the information in them. PFS 360 provides you with investment advice, while Schwab maintains custody of your assets in a brokerage account and will effect transactions for your account on our instruction