Our Philosophy
Be professional. Build relationships. Maintain trust.
Every good relationship is based on trust, mutual respect, and openness. And that’s what we try to cultivate with each of our clients.
We believe the best way to exceed client expectations is to share knowledge and resources. This type of collaboration keeps us accountable for our actions and builds client confidence. It also allows us as financial advisors to develop customized plans that can be tracked, monitored, and adapted as necessary.
We strive to:
- Provide you with clarity
- Educate you on the essentials of wealth management
- Make significant and tangible progress toward your financial goals
Our Investment Approach
Building a customized financial portfolio involves a lot of moving parts. Here are the main elements we consider in the investment process:
Market Assumptions
Research forms the foundation of our portfolios—starting with real-time data on how asset classes perform over time.
Asset Allocation
We develop custom asset allocations for each client’s given level of risk.
Investment Selection
Our independence gives us the flexibility and freedom to choose from a broad array of investment options, allowing us to identify the most appropriate strategies.
Portfolio Construction
Each holding undergoes careful scrutiny to determine if it’s the right fit in terms of risk, expenses, and liquidity.
Ongoing Maintenance
As markets change, so do our portfolios. We consistently check to ensure we’re well-positioned for the market ups and downs.
Plans & Portfolios
We believe your portfolio must reflect your current financial situation, your goals, and your unique life circumstances. We work with individuals and institutions to design and manage with a goal to optimize the probability of success. We invest using:
- Asset Allocation
- Fundamental Analysis
- Diversification
- Risk vs. Reward
- Current Market Risk Analysis
Our team applies each of these principles differently depending on our investor’s needs. As an independent firm, we’re able to explore a broad spectrum of investment options and be more objective than similar financial firms. We believe this approach helps our clients build wealth and preserve it.
Personalized Portfolios
Financial advisors often talk about customization. But to us, it means something different. Instead of simply putting you in a model portfolio based on your risk tolerance and age, we truly design an appropriate portfolio for you. Before we recommend a single investment, we consider:
- Your financial goals – future income needs, the desire to leave a legacy to the next generation, etc.
- The significance of all your assets and available income sources – business interests, real estate, Social Security and pensions, etc.
- Expected impact of income and estate taxes – current and future
- Time horizon – short term, midterm, and long-term goals.
At Caliber Wealth, we evaluate all of these elements and much more to create a portfolio that truly reflects your personal goals.
