INVESTMENTS

We offer all forms of investment products and are professionally trained to understand them. Then, we properly educate our clients so they can understand them as well. We want all of our clients to know that there are multiple risks in investing. You can lose some or all of the invested amount if it’s not properly managed. We are here to help you properly align the investment vehicles used in your portfolio to help you obtain your financial objectives.

FINANCIAL PLANNING

Planning is arguably the most important factor in reaching your retirement goals. We are here to help you understand the power of consistency. Being diligent about your spending and saving practices gives you a leg up on creating the retirement of your dreams. If you don't know where to start, we can help. We enjoy helping anyone who is willing to learn and act on decisions integral to creating a bright financial future.

INSURANCE

Currently, we offer Life Insurance and Annuity products to Montana Residents. If you are looking to protect your family from risks out of your control, insurance can be a great vehicle offering protection. Our financial advisors have the educational background to help you decide if insurance or annuities are the right product for your specific needs. We do not try to sell insurance, we simply want to make sure:

1. Do you have too much insurance protection, or not enough?

2. Are you paying fair premiums for the insurance coverage provided?

MONITORING

Making sure each client is on track towards their end goal is a Priority to us. Everyone has different needs and risk tolerances. So when we monitor, we make sure the accounts are in line with the clients goals and risk tolerance. If need be, we reallocate to bring the portfolio back to where the client is comfortable with their investments. Also reallocating to take advantage of market fluctuations, lightening up or enlarging our exposure depending on how our advisors view where we are in the market cycle. Please note, rebalancing a non-retirement account could be a taxable event that may increase your tax liability

EXECUTION

Knowing when to execute the plan is an important factor.  Most investors tend to purchase/sell investments on emotion.  When the market is strong they buy, leading them to make a purchase closer to the end of a cycle.   When the market comes down, they sell believing that it will never turn around or will only get worse.  It is important to stay focused on the long-term goal, not letting the short-term market fluctuations sway you off the path to a fulfilling retirement.

MARKET INSIGHT

Being a part of Raymond James, we are given a large amount of resources so our advisors are never making decisions on their own.  Raymond James has many analysts around the world providing market and economic information to our advisors.  Then, we use this information to make sure that the investment chosen is one that will fit the clients investment objectives.  If a client is wanting to be exposed to more risk, we make sure they are well diversified to limit stock specific risk.  Using information Raymond James provides is extremely important, allowing us to have multiple opinions to identify opportunities otherwise unnoticed.  Please note that diversification and asset allocation do not ensure a profit or protect against a loss.