At O'Neil Financial, we have developed a
unique and detailed approach to investment planning and
money management. We do not just build our clients a portfolio
and tell them to "hang tight" for 5 to 7 years and expect
them to do well. We actually monitor the
performance of your accounts weekly, while paying really
close attention to the performance of all asset classes
and related benchmarks. It is our job to make sure
that you are in the right asset classes and fund
categories at all times.
Our 6 Step Portfolio
Management Process
When you work with O'Neil
Financial, you will see that we have taken the traditional
approach to the
financial planning process and improved upon it to
deliver a higher quality of service to you. Instead of just
recommending a long term plan with one set of investment
holdings, we work with you along the way to analyze which
investment classes are outperforming the others. Then
we decide if it would make sense to rebalance your
investments to other asset classes and fund categories in
hopes of delivering a higher return. In
the next few paragraphs you will learn more about "our
approach" to wise money management.
Step #1: Help you
determine your goals & objectives
The first step of the financial
planning process will be to outline your financial goals,
objectives, and the desired time frame on making these goals
a reality. This tends to be the most challenging step
for our clients since very few of them actually take the
time to put their financial objectives on paper.
Step #2: Analyze the risk
The next step is to analyze
how much risk you will need to take in order to grow your
investments to the desired amount. We will need to
take into consideration things such as: the amount of time
you have to meet your goals, the current rate of inflation,
your age, investment experience and what types of financial
holdings you currently own in your portfolio.
Step #3: We select the
asset categories for you
This is the area of financial
planning where we like to "stand out" amongst our
competitors. We not only build you a well structured
portfolio that is completely diversified amongst the various
fund asset categories, but we will also manage each fund
category for you and make recommendations on where we think
you will earn the greatest return.
Here is a list of the fund categories that we can advise you
on:
Domestic Equity
Large Growth
Large Blend
Large Value
MidCap Growth
MidCap Blend
MidCap Value
Small Growth
Small Blend
Small Value Balanced Funds
Conservative Allocation
Moderate Allocation
World Allocation
Target Date Specialty Funds
Real Estate
Natural Resources
Financial
Utilities
Health
Communications
Technology
Gold/Precious Metals
Foreign Equity
Foreign Small Value
Foreign MidCap Value
Foreign Large Value
Foreign Large Blend
Foreign Large Growth
World Stock
Europe Stock
Pacific/Asia Stock
Latin America Stock
Japan Stock
Emerging Markets Fixed-Income Funds
High Yield Bond
Multisector Bond
World Bond
Government Bond
Emrg. Markets Bond
Long/Short Bond
Inflation Protected Bd.
Ultrashort Bond Municipal Bonds
High Yield Muni
State Issued Muni
Step #4: Monitor
investment performance
After each portfolio rebalancing,
we will monitor your investments' performance and determine
how well our recommendations are working out for you.
If we learn of any new information that will affect any of
the fund categories, or if we think one category may perform
better than another, we will give you a call to discuss our
thoughts.
Step #5: Review the
performance every 6 months
It is important that we meet on a
regular basis to review your accounts and track the
performance of your investments. Some of our clients
make it a priority to come see us every 6 months, while
others schedule a meeting to review their portfolio once a
year. It is really up to you to decide how much time
is appropriate for reviewing your investments, however, we
do encourage you to keep a strong working relationship with
us at all times to ensure you get the most out of your
investing experience.
Step #6: Rebalance
investment categories
In the financial markets, you will
find that there are always some investment categories that
are outperforming the others. It is always a good idea
to look at how well each category is performing, and review
frequently so we can decide if and when a full rebalancing
would make sense to you and your financial situation.
If you would like O'Neil
Financial to take a look at your current investments, as
well as educate you on the performance of the various asset
classes, then click here
for a free consultation.
Securities and advisory services are offered
through Multi-Financial
Securities Corporation, member FINRA/SIPC, an
ING Company.
O'Neil Financial is not affiliated with Multi-Financial Securities Corporation
or ING. Investment products and advisory services
from these registered representative(s) available only to residents of California (CA), Florida (FL),
Illinois (IL),
Maryland (MD), Michigan (MI), and Wisconsin (WI).
