Investment Philosophy

The planning process and investment philosophy are naturally closely tied together, but not one and the same. First,understand your key goals and interests (listen), second evaluate and assist you to understand your own risk tolerance (listen and provide feedback), third utilize the core financial plan and finally, recommend (act) specific investments to match your goals, risk tolerance and plan "guidelines."

Implementation consists of three* different portfolio management approaches depending on your individual interests, needs and wishes. Our focus is managing for retirement. The characteristics of a typical client is a few years prior to retirement where we begin to mold the portfolio to a retirement profile to a retiree where we manage the portfolio to specific retirement goals. Maybe the retirement goal is to draw an income (and bonuses!) from the portfolio, or perhaps it is to manage to specific savings or major purchase goals. Essentially, our system consists of the following financial management approaches:


Custom

  • Financial Plan
  • Income, Growth & Income or Growth Portfolio utilizing US and Foreign Equities, Fixed Income and Real Estate as appropriate
    • Income 40 - 100% Fixed Income, 0-50% Equity
    • Growth & Income 20 - 60% Fixed Income, 0-70% Equity
    • Growth 0 - 60% Fixed Income, 0-100% Equity
  • Annual Fee based or transactional


Advisor Managed

  • Financial plan
  • One of three models:
    • Income 40 - 100% Fixed Income, 0-50% Equity
    • Growth & Income 20 - 60% Fixed Income, 0-70% Equity
    • Growth 0 - 60% Fixed Income, 0-100% Equity
  • Annual Fee based


Model Managed

  • Financial Plan
  • ETF portfolios with JA Forlines Global Investment Management based on the Endowment Model
  • Mid Atlantic Fund Management (MAFS) - Mutual Fund Models utilizing Russell Investments expertise
  • Annual Fee based

Key for our mutual success is to create a bond with clients by providing truly individualized financial plans. The fee schedule is flexible. We utilize several different independent equity research firm's analysis as well as leading edge portfolio analysis and planning tools to support our recommendations. It is not about the commission on a sale, nor a tie to an in-house sales promotion project targeting our client's wallet. At August Financial Consulting, our independent attitude approach to determining solutions allows us to freely choose investments to match your risk tolerance and long term goals.
 

It is about your financial well being.


 

*Access to additional outside Money Manager Portfolios is available upon request.