Investment Philosophy

You have worked hard for your wealth, and we want your money working for you as often and efficient as possible. Therefore, the core of our investment philosophy is crafted around the ability to compound returns, and ultimately your wealth.

 

Our goal is to limit your losses during market pullbacks so that when the markets rally back, you have more money to capture the upside. To do so, our research team evaluates both economic and market signals daily and then filters them into simple action items that we can use to protect and grow your wealth. Overall, our rules-based approach takes the emotion out of investing and fosters an atmosphere of quality decision-making, even in turbulent times.

A Quantitative Approach

There is a common misconception with investors that quantitative investing ignores fundamentals, this is not true. Our rules-based algorithms incorporate economic and market risk, to help smooth out the ride between short-term volatility and long-term goal achievement.

Whether your primary goal is to preserve your money above the inflation rate, or grow your money in the equity markets, we have a compelling strategy to align with your financial plan.

Retirement Income Focus

Konvergent wealth partners is dedicated to helping clients realize their individual financial goals. We are committed to utilizing academic research to design and manage investment portfolios around specific, absolute goals, at well-defined points in the future, that tie directly to our clients’ needs. Our objective is to attain the highest probability (or likelihood) of earning at least the required return, but measured only at the destination.

 

Rather than manage your money based on your chronological age, we manage money based on how long your money has to work on your behalf before you need it. We consider your:

 

  • Time Horizon

  • Need

  • Risk Tolerance

 

We seek to help you answer the following questions:

 

  • Do you have enough money?

  • Is it in the right places?

  • Which assets do you use first?

Our Strategy

Our strategy is built on a structured approach, with the objective of providing retirement income. It follows a segmented methodology that divides your retirement into segments or “buckets” that each have a defined duration. Each bucket employs a different investment strategy, guided by an assumed rate of return, based upon the time available for the investments to work on your behalf.

 

Those buckets whose objective is to provide income in the early years of retirement typically hold investments or insurance products that have little or no stock market exposure.

Buckets not needed to provide income until later in retirement (typically 10 years and beyond) are placed in investments that carry varied market risk based on expected return within an acceptable risk tolerance. Dividends and interest earned, if any, in these remaining segments are reinvested.

Homer Smith | 3010 Harborview Drive, Suite 202, Gig Harbor, WA 98335 | (253) 236-7000

David Stuehling | 2754 NW Crossing Drive, Suite 204, Bend, OR 97703 | (541) 210-5600 

 Investment advice offered through Integrated Financial Partners, doing business as konvergent wealth partners, a registered investment advisor.