Don't think short-term when investing long-term
Our philosophy begins with the importance of building a solid, long-term relationship with our clients. We recognize your need for value in an investment advisory service and understand that investing is not just about portfolios; it is about our clients and their needs, concerns, and desires. This method of managed investing, together with an emphasis on ongoing client service and personal meetings, has proven to be a successful approach to investment success.
Our goal is to ensure your comfortable retirement by preserving your principal while achieving growth. Using a systematic method, we help to provide a rising monthly income stream for your lifetime and your family's lifetime. Throughout the process, we strive to keep you out front and moving in the right direction. We will help you make smart investment decisions, help you see the long range view, and help you avoid making highly emotional decisions.
Over the years we have learned that people don't want to be sold. They want someone they trust watching over their accounts, managing them with knowledge and care, and reporting to them on a regular basis.
Asset Allocation
The goal of every portfolio that we manage is to maintain an appropriate level of risk while providing a level of return proportionate to the amount of risk taken. Each portfolio is invested based on each client’s unique situation. A younger person just starting to save will have a portfolio that looks and behaves much differently than the portfolio of a retiree who is taking regular income. This is why we manage and maintain five main different asset allocation strategies: Aggressive, Moderately Aggressive, Moderate, Conservative and Very Conservative. We know that your personal and financial situations change over time, so your investment strategy probably will, too. In general, we see that clients desire lower risk portfolios as their time horizons shorten, during times of uncertainty, when life-changing events happen, or while drawing a monthly income at retirement.
Rebalancing
Portfolio rebalancing is another powerful risk-control strategy. All asset classes respond differently to market conditions and will out-perform or under-perform at certain times. This will result in the portfolio’s optimal asset allocation being altered. Rebalancing refers to selling a small portion of an investment when it is up and buying another investment when it is down. It helps maintain an appropriate level of risk in a portfolio made up of stock, bonds, cash, and other investments. The basic concept of rebalancing is "buy low, sell high". Active rebalancing produces additional long-term returns while decreasing portfolio volatility. To achieve the expected outcome, Webb Financial Group monitors and rebalances every portfolio on a regular basis.
Active Portfolio Management
Webb Financial Group has a longstanding history of finding superior long-term money managers. Each investment we manage is continually reviewed and monitored on an ongoing basis. Target ranges have been set and are maintained for all investments, and we actively assess the asset mix against current market conditions. We may downsize an investment or sell all to reinvest in another area when an investment is not performing to our expectations. This active management style provides us with the flexibility to pursue market opportunities within a desired allocation. This process occurs almost seamlessly, which means you won't have to worry about deciding which individual investments to buy or sell as the market conditions change, and your portfolio won't stray off-course. Our experienced team of investment professionals manage all the day-to-day details on your behalf and are a part of the ongoing service we provide you with.
Should your goals or objectives change, we recommend that you contact your advisor to discuss any necessary portfolio adjustments.
"P R E P A R E T O R E A C H Y O U R G O A L S"
