Investment Plan
We understand that no two clients are alike. That’s why we design and implement an investment management plan that is tailor-made for you and your loved ones, based on your specific goals, objectives and risk tolerance.
Investment Management for Retirement
At the very beginning of our relationship, we’ll complete a Risk Analysis, which helps us design a retirement portfolio that matches your desired level of risk. Once we understand your risk profile, we can prepare a written Investment Policy Statement, which guides us in managing your investments. In the design and implementation of your investment plan, we adhere to four fundamental investment concepts.
Four Fundamental Investment Concepts
Asset Allocation
Security Selection
Security selection is the process of selecting securities for your retirement portfolio, whether they are stocks, bonds, exchange-traded funds, mutual funds or other securities. At Goepper Burkhardt, we believe that keeping your investment costs low is one of the most important factors in determining your long-term returns. Therefore, in addition to evaluating factors like risk, diversification, performance track records and other variables, we also screen for low costs. Because we are a fiduciary, you can rest easy knowing that, whenever we select securities on your behalf, we always have your best interest at heart.
Asset Location
If you have been planning for retirement, there’s a good chance that you have money invested across a variety of accounts, such as a traditional IRA, a Roth IRA, a 401k or other types of accounts. Within each account, your investments have different tax characteristics (taxable, tax-deferred, tax-free, etc.). As part of our investment management services, we evaluate your asset location, determining which types of investments should be placed in which types of accounts. By doing so, we can help you minimize your current income tax liabilities, while also minimizing the taxes you will pay when you begin to withdraw money from your retirement portfolio.
Portfolio Rebalancing
Should you choose to work with us, we’ll prepare an Investment Policy Statement for you at the beginning of our relationship, and, as part of this policy, we’ll assign a percentage weight for each asset class that we will maintain. For example, your retirement portfolio may initially consist of 65% stocks and 35% bonds. However, over time, we will need to rebalance these percentages in order to take advantage of tax minimization opportunities and ensure we are always buying low and selling high.
WHAT WILL YOU RETIRE TO?
Contact us to schedule a complimentary introductory appointment.