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Wealth & Investment Management

PORTFOLIO STRESS TEST

The purpose of a portfolio stress test is to see the market and interest rate risk associated with the current portfolio mix and what kind of losses could be expected if the market corrects similar to the 2008/2009 market correction. We will evaluate your existing portfolio and compare it to our rebalanced portfolio that addresses risk reduction techniques from our Unique Money Method.

MORNINGSTAR EVALUATION

Morningstar is an independent rating company that evaluates fund performance, costs, and volatility. They also evaluate the correlation of funds in a portfolio mix and the risk associated with funds in similar investment styles. We will evaluate all-weather funds that are highly correlated, moderately correlated, or non-correlated in the existing asset structure. The goal would be to minimize the correlation of funds that would move in tandem if a major market correction would take place.

COST ANALYSIS

We will perform a cost analysis to determine what fees are currently being paid in existing platforms and, if changes to the platforms are made, what fees can be reduced to maximize growth. This will be an important area for your portfolio due to the size of the funds invested. It would be our goal to minimize those fees as much as possible in your new portfolio modeling.

EFFICIENT FRONTIER ANALYSIS - RISK ASSESSMENT OF CURRENT MODELING

How can market risks be reduced by using non-traditional asset modeling techniques? The goal with Efficient Frontier Analysis is to evaluate risk-reduction techniques and how that affects portfolio volatility and investment income analyzed over a 30-year retirement. Often times, we can increase retirement income and overall investment portfolio yield, due to reduced market volatility and decreasing risk in the portfolio, without giving up long-term portfolio yield.

GOVERNMENT RETIREMENT PROGRAM COORDINATION

Many of our clients have access to programs like FRS retirement systems. We can help advise you on how to maximize those programs and your available options like DROP, to increase retirement income and minimize taxable income. We can also help to facilitate rollovers and asset management through our advisory services.

WEALTH MANAGEMENT

We use a team approach that includes estate planners, tax specialists, CPAs, and attorneys to address high-level wealth planning needs. We have various programs to help with Social Security planning, transfer of wealth planning, pension maximization planning, long-term care planning, and more.

TYPES OF INVESTMENTS AND PRODUCTS WE USE AT MCPHERSON FINANCIAL GROUP

Traditional Wealth
Preserving Assets

  • MONEY MARKET ACCOUNTS
  • CASH
  • CDs
  • TREASURIES
  • FIXED ANNUITIES
  • INDEXED ANNUITIES
  • BONDS
  • MUNICIPAL BONDS
  • CORPORATE BONDS
  • HIGH YIELD BONDS

Traditional Equity
Investments

  • MUTUAL FUNDS
  • STOCKS
  • REITS
  • VARIABLE ANNUITIES
  • LIMITED PARTNERSHIPS

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