True financial planning is about planning ahead.
It’s about looking to tomorrow, as well as the years, decades and generations to come.
It’s about creating a unified plan that ensures every element of your finances works together to try and make your goals become a reality.
We believe that markets are highly efficient and do a good job of quickly incorporating the complex network of information, investor opinions, expectations and human behavior. Therefore we focus on the following areas when recommending portfolios to our clients.
Investors are rewarded in proportion to the risk they take. Developing an appropriate asset allocation for a client’s unique situation is the first of many important steps in constructing a portfolio. Asset allocation does not ensure a profit or protect against a loss.
Diversification is an essential tool available to investors. It enables them to capture broad market forces while reducing the excess, uncompensated risk arising in individual securities and market timing strategies. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.
We review and analyze investments based on expenses, style drift, turnover ratio, and risk adjusted return.
Costs and fees are very important in investment decisions. You do not always get what you pay for in investment products. There are several parameters to analyze when determining the total fees of investment products and offerings.
Tax implications are a key component to take into consideration when implementing portfolios for investors.
Building globally diversified portfolios that minimize (if not eliminate) the taking of idiosyncratic, uncompensated risks. International investing involves special risks such as currency fluctuation and political instability and may not be suitable for all investors.
MOSAIC CAPITAL MANAGEMENT | Where your financial plans come together.