Investment Philosophy

For those clients that choose to have an ongoing relationship with Snider Talbot Financial Planning, we closely follow a long-term buy-and-hold philosophy… this avoids trying to time the market for upswings and downturns. This has proven to be the best approach over time for investors historically and we believe it is the best way to help you reach your financial goals.

The following principles guide our investment and financial advice:

• We create a personalized asset allocation plan based on your unique financial situation. Asset allocation… the mix of major investment groups… is the key determinant of long-term financial performance. Most asset allocations will include cash, bonds, real estate, as well as a mix of stocks… large, small, domestic, foreign, and emerging market… the exact mix determined by a number of factors including your age, income, current savings, family circumstances, risk tolerance, and retirement horizon.
  
  
• We diversify your holdings within each asset class to lower the overall volatility and maximize the potential for financial gains.
  
  
• We minimize the costs to you by using no-load and low-expense financial products as much as possible… such as index funds, exchange-traded funds (ETF's), and low cost actively managed funds.
  
  
• We manage and monitor your situation on an on-going basis… including rebalancing investments… all with a long-term buy-and-hold philosophy.
  
  
• We work with you to take the emotion out of investing and planning for your successful financial future.

Most financial experts agree that an appropriate and balanced asset allocation is responsible for over 90% of the success of an individual's investments.