Our Process
Discover
Based on your goals and objectives, together we’ll determine what your customized financial strategy should be, taking into consideration your:
- Investment Goals
- Time Horizon
- Income needs
- Tax considerations
- Retirement dreams
- Charitable giving desires
- Risk tolerance
- Liquidity requirements
- Current Investments
- Legacy creation
Build
At Teague & Associates, we have access to a breadth of investment types and choices to construct custom- tailored portfolios. We’ll identify the suitable investment strategies by considering the following:
- Asset allocation models
- Correlation between asset classes
- Investment types
- Risk/reward characteristics of asset classes
- Diversification
- Investment platforms
- Investment Managers
Based on the combined attributes of the individual asset classes and your goals, we’ll formulate an asset allocation plan just for you. Your portfolio may include, but is not limited to, mutual funds, stocks, bonds, exchange-traded products, alternative investments, options, fee based variable annuities, cash equivalents, or a combination of these investments.
Implement
Once we are ready to bring your portfolio to life, we’ll discuss your expectations and review what we want to accomplish through your customized strategy. To get your portfolio up and running, we’ll:
- Transition your existing securities
- Determine the type of account ownership and beneficiary
- Discuss the source of funds
- Complete and sign all paperwork
Review
Once your investments are in place, we’ll continue to review and manage your portfolio on an ongoing basis. We believe that portfolio rebalancing is a critical component if a strategic asset allocation process and essential to the long-term success of your portfolio. Rebalancing is designed to ensure that the location of your assets remain in line with your stated investment objectives. Because the relative performance of various asset classes will vary, portfolios that aren’t reviewed on a regular basis tend to drift from their target allocations.
A portfolio that isn’t regularly rebalanced could assume a risk/reward profile that isn’t consistent with your investment objectives. Your portfolio will be reviewed on a periodic basis and adjusted when needed to help maintain the suitable allocation of your investments.
The ongoing management of your portfolio will include:
- Regular meetings and discussion so you can feel comfortable with your continued strategy
- Active, ongoing portfolio reviews
- Periodic reexamination if your investment strategy to make sure it continues to stay aligned with your situation and objectives
- Rebalancing decisions
- Consolidated quarterly performance reports
There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification and asset allocation do not protect against market risk.
Rebalancing a portfolio may cause investors to incur tax liabilities and/or transaction costs and does not assure a profit or protect against a loss.
Alternative investments may not be suitable for all investors and should be considered as an investment for the risk capital portion of the investor’s portfolio. The strategies employed in the management of alternative investments may accelerate the velocity of potential losses.
