The Kelly Group provides customized financial plans for both personal and business needs. Based on any stage of life or business, financial planning at The Kelly Group encompasses a variety of components, each specific to the client’s goals and designed to meet their unique needs. Our passion stems from a client-centric attitude and a comprehensive approach, which flows into each component of our financial planning services.
Investment and Assets Management *
It is an almost universally accepted concept that most portfolios should include a mix of investments, such as stocks, bonds, mutual funds, and other investment vehicles. A portfolio should also be balanced. That is, the portfolio should contain investments with varying levels and types of risk to help minimize the overall impact if one of the portfolio holdings declines significantly.
Many investors make the mistake of putting all their eggs in one basket. For example, if you invest in one stock, and that stock goes through the roof, a fortune can be made. On the other hand, that stock can lose all its value, resulting in a total loss of your investment. Spreading your investment over multiple asset classes should help reduce your risk of losing your entire investment.
Asset allocation is one of the first steps in creating a diversified investment portfolio. Asset allocation means deciding how your investment dollars should be allocated among broad investment classes, such as stocks, bonds, and cash alternatives. The underlying principle is that different classes of investments have shown different rates of return and levels of price volatility over time. Also, since different asset classes often respond differently to the same news, your stocks may go down while your bonds go up, or vice versa. Though neither diversification nor asset allocation can guarantee a profit or ensure against a potential loss, diversifying your investments over various asset classes can help you try to minimize volatility and maximize potential return.
Diversification isn’t limited to asset allocation, either. Even within an investment class, different investments may offer different levels of volatility and potential return. Because most mutual funds invest in dozens to hundreds of securities, including stocks, bonds, or other investment vehicles, purchasing shares in a mutual fund reduces your exposure to any one security.
The term investment management may seem simplistic, yet our approach is nothing short of tactical. We strategize so that investments, securities and assets work towards your goal, while always looking for opportunities that may benefit your return and overall portfolio. Essentially, we handle the details so you can reap the rewards.
We don’t simply throw together a plan, rather, our advisors personally craft your portfolio based on model advisories, which are then monitored and reported on throughout the year. Our approach is disciplined, diversified and dedicated to you, the client.
*Securities offered through Cambridge Investment Research, Inc., A Broker/Dealer, Member FINRA/SIPC and Investment Advisor Representative. Asset Management services provided through Cambridge Investment Research Advisors, Inc. as Registered Investment Advisors. The Kelly Group and Cambridge are not affiliated.