Asset Management

When people hear the term portfolio manager, or asset management, they often think of the investment professionals who manage assets in mutual funds.

But for most families and individuals, it’s about a trusted advisor reviewing your portfolio to ensure it’s appropriately diversified across a wide range of asset classes. It also involves monitoring—and, when necessary, adjusting—the asset allocation (the mix of stocks, bonds and cash) in each of your accounts to meet your short- and long-term financial goals and stay within your risk tolerance.

Being your own portfolio manager takes time, expertise and discipline. The wrong asset management approach could jeopardize your retirement, college savings for children or heirs, major expenses, emergency funds, charitable giving and more.

And you’ll want to ensure your investments aren’t costing you hundreds or thousands of dollars each year in excessive fees.

That’s why many investors leave these critical investment portfolio management responsibilities in the hands of a qualified, fee-only fiduciary financial advisor. These portfolio professionals take a holistic view of your wealth management goals and how your money is being invested for many different purposes.

Find Your Advisor Matches

Key questions about asset management a financial advisor can answer

  • What kinds of investment analysis and portfolio management services can a fee-only fiduciary financial advisor perform that I can’t do effectively on my own?
  • How can a financial advisor make sure that my investments are appropriately diversified to reduce risk?
  • What criteria and resources will a financial advisor use to analyze my portfolio and recommend changes?
  • How will a financial advisor minimize investment taxes and other expenses?
Portfolio Management Challenges

How a financial advisor in the Wealthramp network can address your portfolio management challenges

Serving as your financial advocate, your fiduciary financial advisor in the Wealthramp network works directly for you. They’ll examine every aspect of your financial life and create a comprehensive plan to help you manage everyday expenses while growing your wealth over time.

And if you hire them to serve as your personal portfolio manager, they can:

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Provide day-to-day management of your investment accounts, also called “assets under management.” You can authorize them to make changes on their own, or you can require them to get your approval first

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Review your current portfolio and recommend asset allocation changes that better align your accounts with your financial objectives

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Reduce investment expenses by liquidating costly, poorly performing mutual funds and replacing them with lower-cost index funds and ETFs with better track records

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Periodically rebalance each of your accounts to their original target asset allocations to make sure your strategies stay on track

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Use tax-loss harvesting to reduce investment taxes by offsetting profits from the sale of one or more securities by selling others at a loss

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Help you resist making rash investment decisions that rarely work out

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Serve as an educational resource to help you and your family increase your financial knowledge

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The biggest portfolio management mistakes amateur investors make

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Failing to implement an appropriate asset allocation strategy that aligns with your specific investment objectives across your accounts

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Allowing capital gains generated by the sale of appreciated securities to push you into a higher tax bracket

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Letting fees and commissions charged by expensive mutual funds cost you thousands of dollars every year

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Giving in to emotional impulses to sell stocks during market downturns or buy stocks when prices have peaked

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Focusing too much attention on price swings among individual securities or funds instead of taking a bird’s eye view of how each account—and your portfolio—are performing as a whole

Work with an experienced portfolio management professional to help you grow your wealth in a more strategic and responsible way

Work with an expert to optimize your portfolio diversification

We won't sell your data. You decide which advisors to talk to. And you won't receive any pushy sales calls from Wealthramp.

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