Investment Services for Individuals
Fiduciary Advisors, Inc. ("FAI") helps individuals construct investment portfolios designed to meet their financial goals. Once built, FAI monitors portfolios to be sure that they are producing results in line with these goals.
Portfolio Construction
Like any construction project, creation of an investment portfolio has a design phase and a building phase. FAI incorporates principals of Modern Portfolio Theory in designing a portfolio. The main principles directing FAI are that proper allocation of investments can reduce the risks inherent in investing to levels that can be tolerated by the investor and still achieve returns necessary to achieving financial goals. FAI will help an individual understand their risk tolerance and determine the proper asset allocation targets. Having determined the targets, FAI will then select specific investments from the vast array of low-cost mutual funds, with an emphasis on index funds and exchange-traded funds (ETF’s), to meet these targets.
Portfolio Monitoring
FAI provides quarterly portfolio assessments that compares fund performance to appropriate market indices, compares actual asset allocations to target allocations, and identifies purchase and sales transactions necessary when asset allocations are too far off target or when a fund’s performance is not in line with the appropriate market index. FAI will also reassess target allocations as time and events may lead to different financial goals.