Asset Management

When it comes to staying on top of your assets, we examine how to best accumulate, manage, and diversify your investable assets.

Accumulation
Whether your goals involve a college fund, a new or second home, a boat, or retirement, you will need to be proactive in your approach to saving. The first thing we do is determine if your current savings rate is sufficient. In many cases, people aren't saving enough. Often this is because they've never done any formal financial planning, and therefore don't realize what it takes to successfully accomplish their goals. Pradel Financial Group is experienced in identifying opportunities and helping clients get the most out of their savings, both from salary and bonus income.

Management and diversification
Asset allocation is used to distribute your investable assets among a variety of investment categories by helping to create a more reliable portfolio and managing risk.

In addition to stocks, bonds, and mutual funds we also utilize alternative investments. Alternative investments can have little or no correlation to the stock and bond markets. Operating independently of the broader stock and bond markets, alternatives offer exposure to a variety of asset classes and are capable of potentially achieving positive returns regardless of market direction.

By adding alternatives to your portfolio, we can reduce the risk of a traditional investment portfolio. Managed futures, hedge funds, oil and gas partnerships, tax shelters, and real estate are some examples of alternative investments.

Investors should note that diversification does not assure against market loss and that there is no guarantee that a diversified portfolio will outperform a nondiversified portfolio.

Alternative investments may be illiquid in nature, redeemed at more or less than the original amount invested, subject to special risks, and not suitable for all investors.