Investments
Our Investment Strategy and Product Availability
In today’s global marketplace, investors have more choices than ever. Our investment approach emphasizes asset allocation, or spreading investments across stocks, bonds, and cash, to manage risk while seeking long-term growth. Diversification is key: combining assets that respond differently to market conditions can help optimize performance and reduce volatility, though it cannot guarantee returns.
Our Four-Step Investment Process:
Determining Financial Objectives
Define account objectives, time horizon, and risk tolerance.
Developing an Asset Allocation Strategy
Establish the optimal mix of asset classes to maximize investment return.
Investment Selection
Recommend appropriate investments and fund managers.
Portfolio Review
Monitor performance and adjust strategies as needed.
Vision Associates are Registered Representatives with Cetera Wealth Services LLC, a registered broker-dealer and member FINRA/SIPC, and Investment Adviser Representatives with Cetera Investment Advisers, LLC, and/or Financial Management Strategies, Inc., both SEC-registered investment advisers. This gives access to a wide range of investment products, including:
- Mutual Funds
- Closed-End Funds
- Exchange-Traded Funds (ETFs)
- Variable Annuities and Variable Life Insurance
- Common and Preferred Stocks
- Corporate and Municipal Bonds
- U.S. Government and Agency Bonds
- Unit Investment Trusts
- Collateralized Mortgage Obligations
- Money Market Funds
- Certificates of Deposit
- Limited Partnerships
- REITs
- Alternative Investments
- Portfolio Management
Assets can be held directly with fund companies or insurance carriers, or in brokerage and cash management accounts, including retirement accounts through Pershing LLC. Cash accounts offer both taxable and tax-free money market options.
For information on fee-based comprehensive financial planning and portfolio management programs, visit www.fmstrategies.biz.