Ask us about our complementary portfolio analysis and stress test.

Research Financial Strategies believes portfolio management is far more than just buying funds and hoping they do well. Our role is to help our clients meet their financial objectives through detailed planning and creating a financial roadmap that often incorporates professional money management and insurance to achieve a desired outcome.

We leverage the resources from top global investment managers to help construct core portfolios that adapt to changing market conditions and leverage low-cost, tax-efficient ETFs to help minimize portfolio expenses. This approach allows us to offer institutional money management at an exceptionally low cost and allows us to spend more time with our clients planning for retirement and providing exceptional service.

Since our clients have unique financial situations, beliefs and objectives, we offer a variety of investment strategies: Tactical, ESG (Environmental, Social & Governance), Passive, Tax-Efficient and Income Portfolios.

We welcome the opportunity to help you determine which investment strategies are best suited for you.

 

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Stress Test Your Portfolio

 

To say we are living in uncertain times is an understatement. How confident are you that your investment portfolios are optimized for your situation? How does your portfolio to compare to others regarding fees, risk and performance? Should you stay the course in your current portfolio, or make a change?

Question – Why stress test your portfolio?
Answer – To help you determine whether changes should be made in your portfolio and address the “WHAT IF’s?” head on.

By leveraging BlackRock’s Aladdin platform, the same risk technology relied on by many of the world’s largest financial institutions, we give you an in depth look at your portfolio’s current risk exposures, portfolio characteristics and historical returns.

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How much are taxes affecting your portfolio?

 

Everyone focuses on expense ratios and performance, but do you focus enough on tax cost?

Improving the tax efficiency of your portfolio can help you reach your investment goals more efficiently.

Taking action before the end of the year can help you keep more of what you earn.

 
 

PORTFOLIO ANALYSIS REPORT Step 1

The first step to evaluating your portfolio is to review your performance, risk and cost. We then see how your portfolio may perform in nearly 30 different economic conditions. 

This analysis helps you understand potential impacts to your portfolio during selected market events.

 

PORTFOLIO ANALYSIS REPORT Step 2

The second step is to compare your portfolio to thousands of other portfolios and see how you compare.

 

PORTFOLIO ANALYSIS REPORT Step 3

Our portfolio analysis report provides a summary that includes Portfolio Observations, Performance, Risk, Scenarios, Peer Comparison, Holdings Detail & BlackRock Views & Commentary.

 

 

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Sustainable Investing

Socially responsible investing is the practice of investing money in companies and funds that have positive social impacts. As awareness has grown in recent years over global warming and climate change, socially responsible investing has trended toward companies that positively impact the environment by reducing emissions or investing in sustainable or clean energy sources. 

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ESG 101: What is Environmental, Social and Governance?

Environmental, social, and governance (ESG) criteria are a set of standards for a company’s operations that socially conscious investors use to screen potential investments. ESG investing is sometimes referred to as sustainable investing, responsible investing, impact investing, or socially responsible investing (SRI).

 

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Factor investing

Factor investing is an investment approach that involves targeting specific drivers of return across asset classes. There are two main types of factors: macroeconomic and style. Investing in factors can help improve portfolio outcomes, reduce volatility and enhance diversification.

 

Tax-Efficient Investing

Taxes have always been a driving force in most financial planning and investment strategies. Given the over $29 trillion-dollar federal deficit and constantly changing budget proposals, taxes are likely to go up sooner rather than later. One thing is certain – taxes matter. In an uncertain world where risk and inflation are high, taxes matter even more.

Learn about how we help minimize our client’s capital gains tax.

Paul Gamble, CEO of 55IP, explains money in motion

Q2 2022 GLOBAL OUTLOOK

Navigating the new market regime

Much has changed since our 2022 outlook – a war, energy shock and the Federal Reserve’s pivot on monetary policy. We stay underweight bonds, even as yields have sprinted upward, and overweight equities – with new regional differences.

What is Opportunity Cost?

Imagine you are invested in a target-date or asset allocation fund in your 401k or TSP. The expenses are low, and the performance is in line with the benchmarks.

Now imagine you are invested in a portfolio that delivers great performance, but it also gives you more control over what you own; minimizes losses when the market drops; provides access to investments that may not be currently available to you, such as sustainable investments (ESG), crypto, commodities, private equity or alternatives; and lowers your capital gains taxes?

What is your opportunity cost of your portfolio not being professionally managed as described above? In many cases it could be tens or hundreds of thousands of dollars over your lifetime.

Economically speaking, opportunity costs are very real. Yet because opportunity cost is a relatively abstract concept, investors fail to account for it in their everyday decision-making regarding their portfolios.

Don’t be hesitant to learn more about our professional money management and take advantage of our free portfolio analysis. You have nothing to lose…seriously. Let us help you calculate your investment opportunity cost.

Request your portfolio review today.

Education

Find the answers you need on our Financial Education page.

We provide financial resources at your fingertips: webinars, seminars, educational videos, retirement calculators and white papers. Our online Financial Education Center is a great place to start!

Retirement Planning

These are five areas you must address to maximize retirement.

  • Determine whether you are on track to retire.
  • Determine when to file for social security.
  • Withdrawal strategies in retirement.
  • Determine how to manage risks.
  • How to minimize taxes in retirement.

Solutions

We help you acquire the investment & insurance best for you.

We represent you, not the insurance or investment company. We are 100% independent, have access to all major companies and have no financial incentive to sell any one company’s product. Our objective is to help you find the best solution at the lowest cost.

Annual Reviews

As your finances and tax law change, updates are needed.

Your finances change over time and should be reviewed periodically. We schedule annual reviews with our clients to answer any questions, review investments and insurance, discuss tax law changes and identify any potential opportunity costs.