Wealth Management

    The process we utilize to manage your investment portfolio centers around your risk tolerance and financial objectives.

    At Financial Insights Wealth Management, we believe that our highest priority is to achieve the financial goals of our clients. Therefore, we implement disciplined investment strategies to tailor models that can meet your personal risk tolerance and attain your unique goals.

    The process of building your portfolio:

      1. Listen: We start by listening to your goals and objectives.
      2. Evaluate and Strategize: After looking at both your short and long term goals, our investment team classifies your level of both risk and reward to find a model that suits your needs.
      3. Engage: Based on your model(s), we research and analyze investable universe of funds to ensure that they are consistent with the overall strategy. Once the funds are determined, the strategies are implemented.
      4. Monitor: We regularly monitor your portfolio to ensure that the performance is consistent with your goals. We set up appointments with you to review the performance of your portfolio and recommend any changes that can further enhance the progress of your particular investment model.

    We pride ourselves in ongoing communication and open communication channels to provide updates, answer questions, and offer proactive advice to address any emerging needs or opportunities.

    Our Investment Philosophy

    Our investment philosophy is based on a number of enduring principles which have served our clients well for more than 40 years. We believe that building and protecting wealth is best achieved through a collaborative framework — one that fully integrates investment management with all facets of a client’s wealth strategy.

    Thanks to the productivity, resourcefulness and innovation of corporations, we believe that economic growth creates wealth, a positive-sum game for its owners.

    In order to be successful, an individual does not have to pick the right stock or select perfect times to move in and out of the market. Instead, investors can enjoy the benefits of participating in capitalism by holding a diversified exposure to capital markets, an approach that has rewarded participants over several decades.

    Our 7 Pillars of Portfolio Construction

    The following principles guide our portfolio construction and monitoring process to ensure that our clients have discipline to stay committed to their investment plan to achieve their goals.

    1. Align your portfolio with your goals

    There is no “one size fits all” approach to investing. We understand that clients have unique circumstances and aspirations. In order to capture them, we spend a significant amount of time discussing your cash needs, goals, objectives and comfort with market risk.

    2. Long term asset allocation drives success

    We focus on asset allocation as a major driver of investment success over the long term. The appropriate mix of asset classes is key to your success, and the best way to obtain expected performance is by identifying an appropriate strategic asset allocation, supported by periodic rebalancing. Our strategic asset allocation utilizes a mix of investment vehicles including mutual funds, fixed income, equities, ETFs, and alternative investments.

    3. Diversify between asset classes

    A portfolio that balances risk exposures across multiple sources of return will achieve more consistent performance across a wide range of economic environments and improves the chances of staying the course when market conditions get tough.

    4. Diversify within asset classes

    Examples of booms and busts exist for nearly every industry whether it was tech firms in the year 2000 or financial companies in 2008. Diversification within asset classes offsets the unpredictable fortunes of specific companies or industries, allowing an investor to capture the returns of the broader economy.

    5. Prepare for the unexpected

    Whether it’s a shock to capital markets or a change in circumstances, our portfolios are designed to address the surprises in life and capital markets. By prioritizing risk management, we aid our clients in protecting against personal challenges or difficult market environments.

    6. Beware of the emotional side

    Financial market ups and downs often create powerful emotions in investors. By coaching clients through those tumultuous times, helping them avoid costly changes at precisely the wrong time.

    7. Control what you can

    While the markets aren’t within our control, reducing costs by accessing institutional pricing and managing tax efficiency are within our control. Both efforts have been proven to reliably improve performance without adding risk. Our process is designed to control for these factors and to maximize a client’s return net of taxes.

    Beyond Wealth Management

    In addition to our wealth management services, all of our clients also get access to our Retirement Planning services, our Tax Planning & Washington Estate services, and our Estate & Trust services.

    To start the conversation with one of our financial advisors in Tacoma, please fill out our Wealth Planning Worksheet and schedule your initial free consultation here.