Investment Planning

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Portfolio management begins with you

Your investments should always be aligned with your unique situation. We take great care building and maintaining a comprehensive financial plan for each client. Your plan includes each aspect of your financial life.

We then apply sophisticated statistical simulations to determine the optimal mix of investments for your unique plan, preferences, goals, and aspirations.

The Right Risks Can Help You Grow

We’ll take you through a comprehensive risk analysis to gain insights into your tolerance for volatility and your desire for growth. You’ll see your current portfolio compared to our recommended mix. We’ll show you how they stack up to your financial plan and risk profile. We can stress test both portfolios against various market-moving events to quickly show you how each portfolio might fare in different market environments.

Your Hard-Earned Assets Deserve Thoughtful, Strategic Allocation

Our strategic allocation guides all of our long-term decisions. This includes determining the best balance of stocks, bonds, and cash for you in a “perfect world.” We continually improve on your plan by controlling the things we can control. By using low-cost, tax-friendly investments when making financial planning decisions, we help you work toward achieving your biggest goals.

Tactical tilts | Rules-based decision making

Because the world is rarely perfect and markets change quickly, we make investment adjustments when needed.

We use four rules to assist us in making these decisions:

  • Price Impact: The price you pay for something matters.
  • Don’t Fight Central Banks: The Federal Reserve and central banks control monetary policy.  Don’t bet
    against them.
  • Don’t Fight the Trend: Let your profits run and cut your losses. Market momentum can be a potent indicator of short-term direction. Don’t predict where markets are headed. Pay attention to how they’re behaving today and invest accordingly.
  • Beware of the Crowd: Capital markets are made up of people wired to make irrational decisions. Resist the urge to follow the herd, especially during extreme market fear or greed

Customized portfolios

No two clients are alike. We customize portfolios based on your unique financial picture. Some customized cases include:

Tax Management

Sometimes capital gains taxes associated with repositioning a portfolio
outweigh the need to shift to our preferred investment. When this is the case, we try to work around those positions to build the appropriate portfolio without incurring unnecessary taxes

Concentrated Positions

Many clients have significant exposure to their company’s stock
through options, Employee Stock Purchase Plans, or Restricted Stock Units. We help these clients design an appropriate sales or hedging strategy to take emotion out of the process and reduce risk while allowing for potential future appreciation.

Specialty Investments

For higher-net-worth investors, we may recommend alternative
investments outside of our core managed portfolios from time to time. Some instruments can enhance diversification with returns generally unrelated to traditional stock or bond investments. Alternatively, they can be used to implement a specific hypothesis if we believe an individual asset class or capital market offers unique value. Because many of these assets have more complicated fees, liquidity provisions, and investments, we take the time to explain the risks and rewards of each recommended
investment and how it fits with your investment portfolio.

Ongoing Review
Proactive Client Service

We communicate regularly with you and your other trusted advisors. As our client, you’ll have easy access to monthly account statements, personalized quarterly performance, and your asset allocation. You can see how your portfolio performs in real-time and how it’s behaved in the past relative to stated guidelines and benchmarks.

Dynamic portfolio management, comprehensive wealth planning, and a regimented review process help to ensure that all your financial affairs are current, organized, and aligned with your
vision for your life and your legacy.

At Stevens Capital PartnersSM

Our services aren’t limited to traditional financial planning and
wealth management. We are your “partners” and a trusted resource for all your needs.

We listen. We strategize. We engage. We resolve issues.

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