Whether you are an experienced investor or just starting out, a plan is required before an investment portfolio can be constructed and managed. Think of it like a road map. It is hard to reach your destination without knowing what direction to start. By meeting with one of our experienced trust professionals, we can help design a customized plan for your financial future that is right for you.
A fundamental part of developing a successful financial plan is helping you to identify your financial goals and objectives. Once these have been clearly defined, we can develop a plan for your investment portfolio that takes into consideration your need for income, tax sensitivity, risk tolerance, potential investment returns, planned withdrawals, and any other limiting factors.
We believe that asset allocation and discipline are the two most important factors in achieving consistent, long-term investment results. Asset allocation involves dividing an investment portfolio among several different asset classes, such as stocks, bonds, and cash. Other asset classes, including real estate, precious metals, and other commodities also exist, and may be appropriate for some investors. Historically, the returns of these different asset classes have not moved up and down at the same time. Market conditions that may cause one asset class to do well often causes another to have average or poor returns. Over the long term, investing in multiple asset classes can help reduce the overall risk in your investment portfolio.
The overall concept of asset allocation is fairly straightforward. However, determining precisely how your assets are to be allocated can be much more complicated and confusing. By working with Home State Bank, you can feel secure knowing that your financial assets will be managed by experienced professionals who are here to put your interests first.
Products & Services
- Stocks Bonds
- Tax-efficient Investments
- Mutual Funds
- Insurance Products
- Individual Retirement Accounts
- Business Retirement Plans
- Retirement Planning
- Education Planning & 529 Plans
- Professional Asset Management
For more information, contact Mark Weber, Vice President Trust & Wealth Management Group (815) 788-3404 or via email at firstname.lastname@example.org .