OUR PROCESS

We develop the financial framework you need to make well-informed life decisions

  • We create a comprehensive model of your financial situation

    • Leverage industry-leading financial planning software to optimize the decision process

    • Project income and expenses, incorporating savings for education, retirement, and any other goals

    • Overlay current investments and allocations, and evaluate our recommendations

  • Examine Trade-offs – How current and near term decisions impact your future goals

  • Examine Scenarios – How unforeseen events affect our projections, both near and long term

  • Once the framework is built, we will examine it periodically together and adjust as necessary

Answer the important question: “When does work become optional?” or “When can I pivot in my career without sacrificing my goals?”

A MODERN APPROACH TO UNDERSTANDING YOUR RISK TOLERANCE

Our first step is to create a risk score that triangulates the best risk / reward profile for you to meet your financial goals while allowing you to sleep well at night during periods of volatility

How much risk do you want?

How much of the “emotional roller coaster” of market volatility can you handle?

How much risk do you have now?

We can quickly score your current portfolio to see if it aligns with your risk comfort level

+17%

+$89,400

Over the next six months, you’re comfortable risking this…

-11%

-$57,400

…to have a chance at this gain

Over the next six months, you’re comfortable risking this…

-17%

-$86,650

…to have a chance at this gain

+26%

+$129,600

Your Optimal Portfolio

How much risk do you need?

We use all these factors to build an optimized portfolio designed to meet your goals and cash flow needs within your risk tolerance

OUR INVESTMENT MANAGEMENT APPROACH

COLLABORATION

SEGMENTS

THEMES

PURPOSE

  • In the expected “low-yield for longer” post-COVID world, the traditional approaches to asset allocation have become challenged

  • Bonds no longer provide enough yield to justify their high allocations and now contain significant interest rate risk

  • We construct portfolios with evolving allocations across these four key factors to align our clients’ return requirements and risk profile

GROWTH

  • Large Cap Growth, Small Cap Growth, Global Technology, Emerging Markets

  • Artificial Intelligence, Internet of Things, Cloud-based Computing, 5G, Health Tech

  • Developing consumer-based economies

  • Serves as the growth engine to increase value over the long term despite short term volatility

QUALITY

  • Large Cap Quality, Developed Markets, Real Estate

  • Dividend growth, inflation protection, reduced volatility

  • Industry leaders in a mature but growing stage

  • “Core” of the equity portfolio

  • Dividends are a large portion of equity returns with growing cash flow for future years

INCOME

  • High Dividend Large Cap Preferred Equity, High Yield, Multisector, International Bonds

  • Mature companies with strong balance sheets, where dividend yields may exceed bond yields

  • Diversity across higher yielding fixed income spectrum

  • Current income through a blend of higher yielding contractual income with stable equity dividends

PRESERVATION

  • U.S. Treasuries, Municipal Bonds, High Grade Corporate Bonds, Cash

  • Stable, contractual income

  • Preservation of capital for emergency cash needs, income replacement or reallocation during broader market downturns

OUR ADVISORY RELATIONSHIP

COLLABORATION

We act as a Fiduciary

  • Our investment recommendations must be in the best interest of our client

  • Our client’s interests take precedence over ours

 

We do not charge commissions on trades in Advisory accounts

  • We will be compensated via a monthly fee, based on your assets under our management

Our relationship is focused on you

  • Aligned in our interests - our compensation increases as your assets grow

  • We are on the “same side of the table” – reduces the conflicts of interest

  • Greater transparency in what you are paying – a simple monthly fee

  • Allows us to invest in the technology and people to best serve your needs over the long term

  • All our conversations will be about your financial life – no sales calls

THE VALUE OF AN ADVISOR

Numerous recent research papers by industry leaders concluded that the value added by the services and advice of an advisor is approximately 1.5 – 3.0% of an investor’s assets per year, after taxes and fees

 

The value added by an advisor averages out over time.  Benefits may come quickly and radically during market upswings or downswings, or could come slowly as the relationship develops

KEYS AREAS OF VALUE ADDED BY AN ADVISOR

  • Portfolio Construction

  • Periodic Rebalancing

  • Tax Efficiency / Loss Harvesting

  • Financial Modeling and Projections

  • Behavioral Coaching - being a sound voice during emotional times

  • Time saved from managing your own portfolio to allow you to do what you do best

A trusted, knowledgeable and experienced advisor is an integral part of a well-crafted financial portfolio designed to achieve your goals

LexInvest Wealth Advisors  |  2365 Harrodsburg Road, Suite B100  Lexington, KY 40504  |  www.lexinvest.com  |  (859) 479 - 3160

Securities and investment advisory offered through Sunbelt Securities, Inc. Member of FINRA, SECMSRB and SIPC  Above is intended for informational purposes only, it is not a solicitation to sell/offer or to buy, is obtained from sources believed to be reliable, and accuracy and completeness is not guaranteed. Sunbelt Securities, Inc. is not responsible for the marketability/price performance of any mentioned securities. Opinions expressed are the author's and subject to change without notice. Prices and availability are subject to change. Sunbelt Securities, Inc. does not provide tax or legal advice. Please consult your tax or legal professional for such services.  Please call 713-965-9510 with any questions.

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