Portfolio management at MBR Financial in Houston, TX provides our clients with ongoing, continuous investment management. We help clients establish and manage an investment management strategy that balances income, growth, and risk.
Portfolio management is not a one-size-fits-all. Too often, investors focus on the bottom line return and fail to appreciate that your unique circumstances are a critical component in your portfolio management strategy.
- Income needs. The amount and timing of income you need is a fundamental factor. Financial modeling helps identify varying income needs from year to year. Of course, bonds are not the only way to provide income. Blue-chip dividend-paying stocks, real estate investment trusts (REITs), annuities are also potential sources and will perform differently based on market conditions.
- Risk tolerance. When the market is selling off, what will you do? Do you have a long-term strategy that gives you the comfort that you will be able to weather the storm? Or will you panic and sell? Many portfolio managers will label a client’s initially observed risk tendency and invest accordingly—aggressive, moderate, conservative, etc. The problem is that a client’s tolerance for risk shifts based on personal circumstances and market conditions. For example, when markets are running higher (think dot com boom) there were a lot more aggressive investors but when the bust came all of a sudden those same investors wanted to now be conservative. At MBR Financial, we believe the best management strategy for you will match your projected income needs and be nimble enough to protect your spending even in a severe market downturn.
- The percentage of stocks, bonds and cash your investments hold does not need to be the same for each account. Creating a strategy to protect income distributions helps clients’ to achieve a level of comfort even when markets fall. For example, an account invested more conservatively is used for current income, while accounts that will not be used until later, like IRAs and 401Ks, are invested for more growth.
Taking on too little risk can be just as detrimental as taking on too much risk. For example, running out of money can be a concern when you don’t take on enough risk to grow your money to preserve your purchasing power to keep up with inflation. At MBR Financial, we guide you through the development of an investment strategy that fits your needs.
Portfolio management takes a team and that’s what we offer at MBR Financial in Houston, TX. We have an investment committee comprised of seasoned professionals inside and outside our firm. Vetting investment ideas, strategies and opportunities is crucial for sound investment decisions in the given market conditions. Our external committee members expand our knowledge base regarding geopolitical and economic factors, sector rotation, and hedging risk with alternative investments to enhance investment management.
MBR Financial is a fiduciary. We maintain your confidentiality and practice due diligence. As a Registered Investment Advisor (RIA), we are held to a fiduciary standard, not merely the SEC-defined Regulation Best Interest. “Regulation Best Interest only applies at the time of a recommendation of any securities transaction or investment strategy” (SEC Release No. 34-8603 1347-8). As a fiduciary, we put our clients’ best interest above our own at all times and with all services, not just at the time of a recommendation.
When it comes to portfolio management, you can trust MBR Financial in Houston, TX to put forth portfolio management strategies designed to best fit your life. To grow and protect your portfolio and maintain your lifestyle takes planning, education, and continuous disciplined management. Find out more by calling us at (832) 667-8787 to schedule a free initial consultation.
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