PORTFOLIO MANAGEMENT
A well-constructed portfolio balances risk and reward. It seeks sustainable growth, creates income streams from a wide variety of sources, and diversifies the risks inherent in every financial instrument resulting in overall portfolio stability.
A sensible investment strategy takes into account both sides of the balance sheet as well as your income and expenses. Consideration should be given to insurance concerns (life, health, disability, liability and property insurance); tax concerns (income, property, long and short term capital gains and possibly corporate taxation) and anticipated business expansion and capital investment needs. The portfolio must anticipate cash flow requirements, both present and future. Portfolio design must also consider external influences on your portfolio, examples include: the state of the economy, inflation, and interest rates.
There are many financial products from which to choose when allocating assets for your portfolio management. We provide the skilled due diligence required to make an objective, prudent, and diversified selection. We look for investments with favorable long-term track records, outstanding management, and logical business plans.
We believe that “timing the market” is most often counterproductive, however we are aware that markets are not always efficient. We exploit opportunities created by emotionally driven market conditions whenever it is possible and sensible to do so.
We track more than twenty investment categories, sometimes referred to as asset classes. We follow many categories so as to have the best possible understanding of each asset class behavior. That includes the degree in which each category moves in sympathy with the others.
ESTATE PLANNING
It is critical to develop a comprehensive estate plan to provide for your family, safeguard your business interests and create a legacy that will survive your death. Such a plan must be both tax-efficient and flexible – a challenge as the rules are continually evolving.
A misstep in estate tax planning can have onerous tax consequences down the line. Because it is so important, Rutherford Asset Planning has developed in-house expertise in estate tax planning services. We monitor legislation on an ongoing basis and maintain the most up-to-date information.
TAX PLANNING
Affluent people take advantage of the many financial opportunities available to them. The rewards from such challenges are often eroded by taxes. We help navigate the tax quagmire and employ strategies to minimize its effects. Often, these financial opportunities involve multiple businesses and residences and a wide variety of taxable assets.
RETIREMENT PLANNING
The number one concern for many of our clients is not running out of money in retirement. We have decades of experience helping people to maximize the enjoyment from their life savings while minimizing the risks.
INSURANCE STRATEGY
We help clients mitigate risks of illness, disability, premature death, property losses through natural causes or accidents, or personal liability with the use of insurance. We assist in finding the right insurance product and do not accept fees or commissions as a result of the sale of a product.