Our Quadrant Advantage™ approach to investing allocates your assets based on the market environment and your risk tolerance. We aim to build a plan that identifies all areas of potential income.
The Strategic portion of the Quadrant Advantage™ is a passive buy and hold approach to investing. Stocks, bonds, and mutual funds are chosen with a long term time horizon. This strategy may be well positioned for a secular bull cycle and is not typically implemented during a bear or neutral market.
We split this program into two areas; emergency accounts and inflation hedge. We recommend having between 6 months to 1 year’s worth of expenses in the emergency account at any time. We recommend financial products such as CDs, bonds, fixed annuities, savings accounts, and money market funds as they tend to be less volatile with lower risk than stocks and mutual funds. The hedge to inflation strategy includes illiquid investments, including non-traded real estate. If suitable for the client, we recommend that no more than 10% of total investable assets be placed in these hedging strategies.
*Investments are subject to risk, including the loss of principal. Some investments are not suitable for all investors, and there is no guarantee that any investing goal will be met. Past performance is no guarantee of future results. The use of hedging and derivatives could produce disproportionate gains or losses and may increases costs. Not all investments are FDIC insured.
The Tactical portion of your portfolio allows allocation changes to take advantage of current market trends. Tactical money managers will invest in similar assets as strategic money managers but with a shorter investment time horizon. This approach is utilized during periods of neutral markets.
This section is used to address your core expenses, like food, shelter, transportation, health care, and clothing. For the majority of people, social security income may not cover all of these expenses. Pensions and annuities are the only two other guaranteed income programs. If it is determined that your social security plus your pension do not cover your core expenses, then we will seek to bridge the gap by investing in a type of annuity that guarantees income for 1 or 2 lives.
*Guarantees are based on the claims-paying ability of the issuer. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty tax and surrender charges may apply. Optional features of an annuity may involve additional fees.