Financial Planning for Investors

For the investor, it’s all about strategy: Finding a unique approach to financial investing that suits their individual needs, goals and risk tolerance. Understanding world political, social and economic trends. Looking beyond the same mutual funds and stocks everyone else owns. Above all, it means creating a personal investment master plan, one that’s easy to track, easy to understand and designed completely around you. PDS Planning specializes in taking a well-researched approach to your investments. We do our homework. We answer your questions.

Are My Investments Diversified?

In our experience, most investors are not diversified. There is a lot of overlap that occurs in most portfolios, and there is often little exposure to investments that we consider out of the box and worthy of consideration. If you own multiple mutual funds from only one fund family, you are most likely not diversified.

How Do I Reduce Portfolio Risk?

There are many kinds of risk. There’s interest rate risk, inflation risk, currency risk, business risk, just to name a few. But investors are most worried about market risk. At PDS Planning, we believe that the best way to reduce risk is through true diversification, since not every kind of investment behaves the same way. We spend a lot of time getting to know each client’s risk tolerance level, then we design a portfolio that meets their unique risk/reward profile.

What Are Alternative Investments & Should I Consider Them?

Alternative investments include a wide variety of strategies that tend to have a low correlation to the stock markets. These might include managed futures, commodities, precious metals, long-short hedging and currencies. We believe that alternative investments should be a part of most investors’ portfolios

How Do I Know If My Advisor Has My Best Interests at Heart?

Ask to see the advisor’s Code of Ethics, which should include acceptance of a fiduciary responsibility. Without this, investors are at the mercy of salespersons pushing products rather than advisors who put the interests of their clients above all else. Also, ask if the advisor owns any of the specific holdings they are recommending. PDS Planning believes advisors should eat their own cooking, meaning they should invest their own dollars in the kinds of things they recommend to clients. Ask how the advisor is paid. We believe that non-commission, fee-only investment services offer much fewer potential conflict of interest issues.

Should I Consolidate My Investment Accounts?

While there is nothing wrong with having multiple accounts with different advisors, it often results in a lack of coordination and a full understanding at the “big picture” level. In addition, consolidation with a quality custodian can reduce trading costs and fees.

What If I Don’t Have the Time to Devote to My Investments?

Investing is not rocket science, but it does take time. That’s why we’re here. We have the experience, the expertise and the time to concentrate on you, the investor, in ways that you cannot. As a client, you’ll have peace of mind knowing that there is a sound investment strategy in place, and that someone is paying attention to it, day in and day out.

For more information regarding investment planning consulting and our financial planning services, contact PDS Planning today.