Broker Check


Our Investment Strategy and Product Availability 

Today's global marketplace offers investors more investment choices than ever. In managing assets, we utilize the concept of "Asset Allocation," which is investing in different asset classes such as stocks, bonds, and cash to help minimize the risk in an investment portfolio. The concept is based upon the principle of diversification, which is the process of combining different asset classes that react differently in the market from one another in order to maximize long term investment performance while reducing the risk (volatility) of a portfolio. How important is asset allocation? According to Ibbotson Associates, a leading authority on investment research and analysis, "the asset allocation decision is by far the most important determinant of performance for the long term investor."  While diversification through an asset allocation strategy is a useful technique that can help to reduce overall portfolio risk and volatility, there is no certainty or assurance that a diversified portfolio will enhance overall return or outperform one that is not diversified.

We utilize a four-step process in helping a client establish an investment strategy.

Determining Financial Objectives

Working with the client to determine specific investment account objectives, time horizon, and risk tolerance.

Developing an Asset Allocation Strategy

Based upon the stated investment objectives, determining the appropriate asset allocation to help maximize investment return.

Investment Selection

Recommendations as to the appropriate investments and fund managers.

Portfolio Review

To monitor investment performance and update client's financial objectives.

Our Associates include Registered Representatives offering securities through Cetera Advisor Networks LLC (Cetera).  The firm is a member of both the Financial Industry Regulatory Authority, Inc. (FINRA), and Securities Investor Protection Corporation (SIPC), and is an SEC Registered Investment Adviser.  Through Cetera, our Associates have access to a wide range of investment products to meet your financial objectives and asset allocation strategy.  These include:

  • Mutual Funds
  • Closed-End Funds
  • Exchange Trade Funds (ETFs)
  • Variable Annuities
  • Variable Life Insurance Products
  • Common and Preferred Stocks
  • Corporate and Municipal Bonds
  • U.S. Government and Agency Bonds
  • Unit Investment Trust
  • Collateralized Mortgage Obligations
  • Money Market Funds
  • Certificates of Deposit
  • Limited Partnerships
  • REITs
  • Alternative Investments
  • Portfolio Management

Assets can be held directly with a mutual fund company or insurance carrier, or in a variety of brokerage and cash management accounts, including retirement accounts, through our clearing firm and custodian, Pershing LLC.  For cash deposits, accounts offer a choice of both taxable and tax-free money market funds.

For information on fee-based Comprehensive Financial Planning and Portfolio Management programs available through your Vision Wealth Management’s Associate, go to