Investment Philosophy

Documents Spread Out Image We believe it is crucially important for investment decisions to be made within the framework of a clearly defined investment philosophy using a highly disciplined and consistently applied investment management process. Our conservative investment philosophy is based upon Strategic Asset Allocation as well as a Dynamic Tactical Strategy. Each client's return requirement, risk tolerance and investment time horizon are assessed in the planning process to determine the appropriate degree of risk to be used in their portfolio. Our primary objective is to minimize risk first, then to achieve a reasonable rate of return within the given risk parameters.

Our investment vehicle of choice is open-end mutual funds. Our preference for mutual funds is based upon some important criteria; first and foremost is safety. The safety is a function of the very broad diversification offered by mutual funds. An individual fund's holdings may range from dozens to literally hundreds. This allows us to build portfolios with the kind of diversification that generally accrues only to the largest institutional investors. Intensive research, professional management, liquidity, and style purity are a few of the other important considerations.

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Our Advantage

We use technology to monitor price trends that identify asset classes that have an upward and strong price trend, as well as make recommendations into investments in the selected asset classes even if that asset class is in cash. This technology is based upon a systematic process of buying and selling to potentially increase profit and avoid losses that occur. Taking a small loss within a given hold period and then moving to a more productive category/ sector can potentially be better than waiting for the original investment to regain its former value.

Our investment strategy is focused on what is working TODAY, not what might have or might not have worked in the past.

Diversification does not guarantee profit. It is a method used to help manage risk.

766 Old Route 9 North, Wappingers Falls, NY 12590-4036, 1-845-297-0300
Branch Office Address: 766 Old Route 9N Wappingers Falls, NY 12590 Investment Advisory Services Offered Through FSC Wealth Advisors, LLC. Faculty Services Corporation & FSC Wealth Advisors Are Not Affiliates of NEXT FINANCIAL GROUP, INC. MEMBER FINRA / SIPC. To view NEXT Financial Group's privacy policy and other important information, visit the "customers" section of Faculty Services Corporation is licensed to sell securities in the following states: AZ, CA, CO, CT, DE, FL, IA, IL, IN, MA, MD, NC, NH, NJ, NV, NY, PA, SC, TX, VA, VI, VT.