How should you invest?
There are many different investment options out there for you.
But which ones should you use?
When should you re-balance your account?
What happens when the economic conditions change?
Never be left in the dark again!
Know exactly what to use and when to make changes.
We have taken all of the guess work out of it for you!
Future Contributions
(OPTIONAL)
We will tell you (every month) exactly what to buy with the money going into your plan on a monthly basis (“future contributions”).
We will be looking to maximize Dollar Cost Averaging theory by choosing two to three funds per month for you to purchase.
Current Allocations:
Strategic Models
Strategic Asset Allocation is also known as “don’t put all your eggs in one basket”.
Our “strategic” advice diversifies your money across 8-12 asset categories and re-balances on the first trading day of each quarter.
These models will stay “fully invested” through all market cycles.
We offer Income, Conservative, Moderate, Aggressive and 100% Equity advice.
Current Allocations:
Semi-Tactical Models
Tactical Asset Allocation is simply known as “active management.” We offer four Semi-Tactical Models (Conservative, Moderate, Aggressive and 100% Equity).
In an upward trending* market, our models are identical to the corresponding Strategic Asset Allocation models above.
In a downward trending* market, we recommend you move your money into bonds and/or “cash.”
The semi-tactical allocations are reviewed on a daily basis.
*The “trends” are identified by following the Volatility Index (VIX), also known as the “fear index,” the 50 day/200 day moving average (S&P 500) and the momentum “convergence” and “divergence” patterns of the S&P 500 (MACD).
Self-Directed Brokerage Accounts (SDBA)
Many 401k plans and IRAs allow you to move your money into a “brokerage window” called a “Self Directed Brokerage Account” (“SDBA”).
This allows you to use many investment options and strategies.
We currently offer all of the strategies below for brokerage accounts.
Strategic Allocation ETF multi-manger:
Models using exchange traded funds (ETFs) from multiple investment managers.
Conservative, Moderate, Aggressive and 100% Equity.
Re-balances on a quarterly basis.
Tactical Allocation ETF multi-manger:
Models using exchange traded funds (ETFs) from multiple investment managers.
Conservative, Moderate, Aggressive and 100% Equity.
Equity percentages will change given current market conditions.
Target Allocation ESG ETF (iShares):
Models using exchange traded funds (ETFs) from BlackRock’s iShares.
Conservative, Moderate, Aggressive and 100% Equity.
Models that offer exposure to companies that exhibit favorable environmental, social and governance (ESG) practices using a dynamic rebalancing schedule.
BRI Allocation ETF multi-manager:
Models using exchange traded funds (ETFs) that use biblically responsible investing (BRI) approaches to investing.
BRI is designed to align an investor’s allocations with their Christian values.