Investment Advisory Services. Taking Care of Business
At Quest Investment Firm, we listen, evaluate, educate and advise. Our approach is comprehensive and tailored to our clients’ goals and priorities. We seek to understand each client’s specific goals before designing a personal investment strategy that is firmly grounded in research and more importantly, reflective of the personal goals and objectives of each client along with our fiduciary standards.
Client meetings offer an opportunity to review investment results, discuss non-financial issues and consider life events that could have an impact on a client’s overall financial priorities.
Successful investing requires buying when others are selling and spreading your investments rather than concentrating them on a few speculative ideas. Our investment philosophy is based on a value-oriented investment style.
Financial Discovery Process: Through our financial planning discovery process, we work with our clients to understand the risk preferences and income requirements that will enable us to tailor a portfolio strategy that meets the needs of the client while adequately reducing risk through proper asset allocation and diversification.
Asset Allocation:The first and most significant part of the investment management process is asset allocation. This involves strategically targeting a percentage of a client’s portfolio to be invested in the three major asset classes: equities (stocks, stock mutual funds or stock ETFs), fixed income (bonds, bond mutual funds or bond ETFs) and cash (money market funds, t-bills or short term CDs). Generally, these targets are based on age, risk tolerance and income requirements.
Diversification: The portfolio strategy is further developed by allocating within asset classes to various sectors. Since these sectors exhibit different risk and return characteristics, when prudently combined, they tend to reduce overall risk while improving returns in the long run. Examples within the equity asset class includes the following stocks: value, growth, middle capitalization, small capitalization, international and emerging markets. Within fixed income, there are bonds: treasury, inflation protection, mortgage pools, corporate, international, high-yield and municipal.
Solutions: The implementation of the portfolio strategy involves the buying and selling of various investment vehicles to create a well-diversified portfolio. These could include direct stocks and bonds, as well as mutual funds, exchange-traded funds, or a combination of these investments. As always, our portfolio construction process aims to build portfolios for client's personal financial goals.
Portfolio Review: Financial markets are dynamic and investment opportunities are constantly being created. This may precipitate small changes in the portfolio and may involve portfolio rebalancing back to the target asset allocation or subtle changes among sectors. As directed by our investment philosophy, we will attempt to buy what is undervalued and sell what is overvalued.
Small Business Retirement Plans
Self-employed individuals and small business owners now have a variety of retirement plan options available to them. With our help, setting up a retirement plan can be easy and can potentially provide significant tax advantages while saving for retirement.
The above table is for informational purposes and is a high-level overview of potentially available plans. Please consult with our investment advisor for additional information. Contact us to learn more about each plan.
Families & Individuals
You worked hard to earn your money, we work hard to protect and grow it. Our Investment Advisory Firm focuses on the following three functions:
Investment Strategy and Measurement
We work with you to understand what you are trying to accomplish. Then, we develop the right investment strategy to achieve your goals given your risk tolerance and unique circumstances. Along the way, we show you how you are doing with comprehensive, institutional-quality performance reporting, liquidity monitoring, and cash flow modeling.
We handle all the details for you including manager implementation, capital calls, and cash movements.
Your investment strategy is not complete without considering the impact of taxes. We work with you to ensure that we can maximize your after-tax investment returns by helping you manage custom strategies in asset location, estate planning, and charitable giving.