Investment Advisory
Fiduciary investment advisors
Welcome to Prospera Investment Advisors, where our fiduciary commitment ensures your financial well-being is our top priority.
We specialize in crafting tailored investment strategies designed to meet your unique circumstances, time horizon, and risk tolerance. We believe that clients are best served by a fiduciary relationship, that's why we don't sell any commissioned investment products. We align with our clients and serve only you.
Our approach is straightforward and transparent, leveraging a broad range of investment strategies to help you achieve your financial goals.
uNDERSTANDING rISK AND sTRATEGIC wEALTH pOSITIONING
A successful wealth strategy starts with a clear understanding of your personal comfort level with risk. Before making any financial decisions, it’s essential to assess how much risk you’re willing and able to take, as this will shape the way your wealth is positioned and managed.
Prospera Investment Advisors uses the Color of Money Risk Analysis to help you visualize and categorize your assets based on their risk levels. This simple but effective approach divides your investments into three main categories:
- Green: Safe and secure assets designed to preserve wealth, often with limited growth potential but little to no risk of loss.
- Yellow: Moderate-risk investments that offer growth opportunities while maintaining a balance between risk and reward.
- Red: High-risk investments that carry the potential for significant growth, but with a higher possibility of market fluctuation and loss.
Through your personalized report, you'll gain a clear understanding of your risk preferences. By identifying your comfort zone within these categories, we help you align your financial strategy with your risk tolerance. This ensures that your wealth is positioned in a way that not only supports your financial goals but also gives you peace of mind. Understanding your personal risk profile is the foundation for making informed decisions that reflect your values and long-term objectives.
HOW WE WORK TOGETHER
Getting to Know You
- Welcome! We'll start with an introductory session where we’ll have a conversation together to learn about your financial landscape, including your income, expenses, assets, liabilities, and existing investments.
- Together, we'll discuss your short-term and long-term financial goals, such as saving for retirement, funding education, or preserving wealth.
- We’ll explain why understanding your financial situation, goals, and risk tolerance is crucial for crafting a tailored investment strategy.
- We'll outline our managed investments services and answer any initial questions you might have.
Evaluating Your Risk Tolerance
- Using our simple online 'Color of Money Risk Analysis', you’ll complete a comprehensive risk tolerance questionnaire to help us understand your comfort level with investment risks.
- We’ll consider factors like your investment experience, how you handle market ups and downs, and your willingness to take on risk for potential growth.
- We'll review your risk assessment results together to ensure understanding and alignment.
- You’ll learn how your risk tolerance influences your investment strategy.
- We'll review your current portfolio to understand your existing strategies using our portfolio analysis tools.
Defining Your Time Horizons
- We’ll determine the timelines for achieving your financial goals, whether they’re short-term (like buying a home in the next five years) or long-term (like retiring in twenty years).
- We’ll discuss how different time horizons affect investment strategies and risk levels.
- We’ll consider your age, career stage, and any major life events that could impact your investment timeframes.
- We’ll factor in any unique circumstances to customize our approach just for you.
Crafting Your Investment Strategy
- We’ll select a diversified portfolio tailored to your needs, risk tolerance, and time horizons.
- Our investment advice will include a mix of asset classes (such as equities, bonds, real estate, and alternative investments) to optimize returns and manage risk.
- We work with 3rd party money managers to handle the necessary trades to build your portfolio and provide ongoing investment portfolio management services.
- You’ll receive confirmations and statements detailing the investments made on your behalf.
Our Commitment to You
We’re committed to helping you build toward your financial goals through personalized, professional asset management. You’ll receive ongoing support and knowledgeable advice to support your long-term financial success.
HOW WE KEEP THINGS ON TRACK FOR YOU
Ongoing Monitoring and Management
- We’ll continuously monitor your portfolio’s performance against benchmarks and your goals.
- Using advanced analytics, we’ll track your progress and identify any needed adjustments.
- We’ll schedule regular review meetings to discuss portfolio performance, market conditions, and any changes in your financial situation or goals.
- We’ll rebalance your portfolio as needed to maintain your desired asset allocation.
Adapting to Changes
- We’ll adjust your financial plan and investment strategy as your life circumstances change, such as getting married, having children, or changing jobs.
- Our aim is to keep your strategy aligned with your evolving needs and goals.
- We’ll adapt your investment strategy in response to changing market conditions and economic outlooks.
Educating and Communicating
- You’ll have access to a wealth of educational materials and resources to help you understand financial concepts and investment strategies.
- We maintain open and transparent communication, keeping you updated on your portfolio’s performance and any changes in strategy.
- Our goal is to ensure you feel confident and informed about your investment decisions.
Bears can be scary!
Take a breath, then take a look at our video about market volatility. Need to talk it out? We're here for that too!