At Advisor Financial, we believe that diversification of assets and the judicious use of both active and passive management techniques is the key to long term investment success.
We diversify our clients' assets both between and among asset classes. Within equities, we diversify by style and market capitalization and within fixed income issues, by duration and quality as appropriate for the particular risk profile. Generally, we recommend exposure to international equities, both developed and emerging markets as well as foreign/global fixed income issues. However, not all asset classes are appropriate for all clients.
We believe that careful consideration of downside risk is an integral part of portfolio construction. We also believe that monitoring and controlling portfolio expenses, i.e. expense ratios, transaction fees, etc. will ultimately result in a better bottom line for our clients.