Investment Advisory

Our Philosophy

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”