|The financial planning process is utilized to determine
your specific financial objectives such as the accumulation of assets, the
ability to provide educational funding for your children or the funding of
a comfortable retirement. However, the success of reaching these stated
financial goals is dependent upon the proper management of your investment
Successful investment management begins with an Asset Allocation Analysis.
The purpose of this analysis is to weigh the expected rewards from an
investment against the risk associated with that decision. At Capital
Planning Consultants we believe that asset allocation is the most
important variable in determining the rate of return from a portfolio of
securities. This means the percentage of your dollars that are invested in
stocks, bonds, real estate, precious metals, cash, etc. will far outweigh
the effects of the individual security decisions. Simply stated, asset
allocation is a process by which your investment assets are allocated to
various specific classes of assets to construct an efficient, diversified
portfolio in relationship to your tolerance for risk.
Investment management is much more than simply buying and selling
At Capital Planning Consultants:
We believe markets are usually, but not always rational.
We are long-term investors who focus on value.
We combine detailed data analysis with judgment and intuition.
Asset allocation drives our portfolio strategy, but security
selection plays an important supporting
role in executing our strategy.
We believe a consistently executed and well-defined discipline
increases the probability of
We use diversification to control risk, a critical part of our
We offer model portfolios for different levels of risk
Investment management is a blend of art and science. Past performance is
useful, but just picking the stocks, bonds and mutual funds that performed
best in the past is not a good way to build a portfolio for the future.
Thats why our portfolios reflect a well thought out and disciplined
approach to both asset allocation and security selection.
© Copyright 2003
Capital Planning Consultants, LLC