Investment Consulting

 

If you are new to Krilogy-The Sher Group, we only move on to our Investment Consulting process after our initial Advanced Planning overview is completed to our mutual satisfaction. For our tenured clients we re-discover and deliver Comprehensive Wealth Management in its entirety on a continuing basis.

Asset allocation is the most important decision we will make together as it explains the risk and return in your portfolio1. Research has shown that asset allocation explains 90% of return on investments2. A 1991 study by Ibbotson and Kaplan3 confirmed that it is not the selection of individual stocks or bonds, nor timing the market driving performance but the allocation of assets that makes a difference in the long-term.

There are four steps to our Investment Consulting process:

Step 1  Developing your Investment Policy and Asset Allocation based on time horizons, risk tolerance and loss aversion; the most effective antidote for panic.

Step 2  Analyzing your current investments; recommending and implementing a well-diversified and properly-weighted portfolio.

Step 3  Routinely monitoring and managing our selections and strategies.

Step 4  Staying on track with the Investment Policy based on your unique and evolving objectives  and the need for new investments and rebalancing in the overall portfolio.


1Disclosure: Asset allocation and diversification strategies cannot ensure profit or guarantee against loss. Past performance does not guarantee future results.

2 Gary P. Brinson, L. Randolph Hood, and Gilbert L. Beebower, Determinants of Portfolio Performance, The Financial Analysts Journal, July/August 1986.

3Ibbotson, R. G, and P. D. Kaplan, 2000, Does asset allocation policy explain 40, 90, or 100 percent of performance?,  The Financial Analysts Journal, 56, 2633.

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Offerings include Stocks, Bonds, Separate Accounts, Mutual Funds and Variable Annuities.

For our Employer-Sponsored Retirement Plans, Endowment and Foundation clients, as well as our affluent individuals and families we offer the following:

  • Investment Advisory and Management services, considering the following factors:

    • Recognition of Risk Tolerance, Loss Aversion and Time Horizons
    • Investment Expenses
    • Asset Allocation and Diversification
    • Investment Monitoring and Ongoing Evaluation
    • Professional Management Tenure, Consistency and Performance
    • Portfolio Volatility
    • Dividend Income and Capital Gains Tax Planning, when applicable
    • Economic Factors
    • State-of-the-art Technology Research and Reporting
    • On-site Employee Education and Communication

  • Plan Design Analysis, Recommendations and Implementation*
  • Plan Administration*
  • Accounting, Tax Planning and Reporting*
  • Actuarial Services*
  • Compliance Testing*


* These other services are available on a referral basis upon request.