APPROACH TO WEALTH MANAGEMENT
Whatever your goals, we’re committed to your well-bein and finding the right strategy for you.
DISCOVER YOUR GOALS AND OBJECTIVES
Based on your goals and objectives, together we’ll determine what your customized financial strategy should be, taking into consideration your:
| • Investment goals | • Risk tolerance |
| • Time horizon | • Performance expectations |
| • Income needs | • Liquidity requirements |
| • Tax considerations | • Current investments |
| • Retirement dreams | • Legacy creation |
| • Charitable giving desires |
We’ll construct your strategy to reflect your personal goals, time horizon, and risk parameters, as well as other considerations.
BUILD YOUR INVESTMENT STRATEGY 1
With Strategic Asset Management*, we have access to a breadth of investment types and choices to construct custom-tailored portfolios. Supported by the expertise of experienced research strategists, we’ll identify appropriate investment strategies by considering the following:
| • Asset allocation models | • Diversification |
| • Correlation between asset classes | • Investment platforms |
| • Investment types | • Investment managers |
| • Risk/reward characteristics of asset classes |
Based on the combined attributes of the individual asset classes and your goals, we’ll formulate an asset allocation plan just for you. Your portfolio may include, but is not limited to, mutual funds, stocks, bonds, exchange-traded products, alternative investments, options, fee-based variable annuities, cash equivalents, or a combination of these investments.
IMPLEMENT YOUR PORTFOLIO
Once we’re ready to bring your portfolio to life, we’ll discuss your expectations and review what we want to accomplish through your customized strategy. To get your portfolio up and running, we’ll:
- Transition your existing securities
- Determine the type of account ownership and beneficiaries
- Discuss the source of funds
- Complete and sign all paperwork
REVIEW AND MANAGE YOUR PORTFOLIO
Once your investments are in place, we’ll continue to review and manage your portfolio on an ongoing basis. Portfolio rebalancing2 is a critical component of the strategic asset allocation process and essential to the long-term success of your portfolio. Rebalancing is designed to ensure that the allocation of your assets remains in line with your stated investment objectives. Because the relative performance of various asset classes will vary, portfolios that aren’t reviewed on a regular basis tend to drift from their target allocations.
A portfolio that isn’t regularly rebalanced could assume a risk/reward profile that isn’t consistent with your investment objectives. Your portfolio will be reviewed on a periodic basis and adjusted when needed to help maintain the optimal allocation of your investments. The ongoing management of your portfolio will include:
- Regular meetings and discussions so you can feel comfortable with your continued strategy
- Active, ongoing portfolio reviews
- Periodic re-examination of your investment strategy to make sure it continues to stay aligned with your situation and objectives
- Rebalancing decisions2
- Year-end statements including annual advisory account performance
Silver State Wealth Management
To discuss your existing Investment Accounts with an LPL Investment Advisor Representative, please call 800-558-7567.
Check the background of investment professionals associated with this site on FINRA’s Broker Check.
EXPLORE OTHER WEALTH MANAGEMENT SERVICES
Retirement Planning
Plan your retirement with experienced guidance.
Asset Management
Receive personalized assistance in making sound financial decisions that match your desires for growth, income, or risk.
Estate Planning Services
Manage your legacy with estate planning services.
* There is no assurance that the Strategic Asset Management platform discussed is suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to affect some of the strategies. Investing involves risks, including possible loss of principal.
1Investment vehicles carry investment risks, including the potential for the loss of principal, and may have additional fees, charges, and restrictions.
2Rebalancing a portfolio may cause investors to incur tax liabilities and/or transaction costs and does not assure a profit or protect against a loss.
Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Silver State Schools Credit Union and Silver State Wealth Management are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using Silver State Wealth Management, and may also be employees of Silver State Schools Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Silver State Schools Credit Union or Silver State Wealth Management. Securities and insurance offered through LPL or its affiliates are:
Silver State Schools Credit Union (“Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not current client of LPL for advisory services.
Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.
