Click to read Hoctor Financial Group's Investment Policy

For many of my clients, I am the only person who advises them on issues such as debt management, or the most beneficial point to begin drawing social security. Certainly, I must be aware of your overall financial situation if I am to reallocate your portfolio in a tax efficient manner. These are a few concerns that prompt me to continue my education in financial planning. My fee structure and investment management philosophy revolve around my belief:

            Proper investment management integrates financial planning.

Before we begin to a construct your portfolio, we complete an extensive information gathering questionnaire. Working with a Certified Financial Planner™ means that you benefit from my range of expertise. Together we develop a written document (Your Method™) which outlines your time horizon, investment objectives, risk tolerance, asset allocation, tax strategy, and expected rate of return. This document will be used to monitor performance and to track your financial goals.

Regular asset allocation reports are produced quarterly to review market fluctuations and fund managers. I believe that no decision, is a decision. Portfolio adjustments include rebalancing, changing underperforming fund managers, and strategic concentration in up-cycle sectors of the market. Annually, we review your overall financial situation and redraft Your Method™.

My professional background and current focus remains on investment management. I have successfully reduced the downside of the market while capturing more of the upside. I encourage you to set an appointment to discuss my investment management approach over various market conditions. A six year performance record is available for your review.