Individuals and Families

For the serious investor.

Free Portfolio Review

Are you curious to know how your portfolio currently stands?

All we need is some basic information and we will create a customized portfolio review, at no cost to you!

Start now!

Are you looking for help with major financial/life events? A fiduciary advisor can help you with planning for retirement, adjusting to divorce, selling your business, saving for college expenses, or protecting family wealth for future generations.

We employ the same principles and processes today as we have since our founding in 1993. That investment philosophy will continue to utilize the same expertise and discipline. This is Strategies Capital Management.

Additional Services Customized to Meet Your Family’s Needs

A sudden creation of wealth can sometimes leave people feeling overwhelmed or lost from the choices that now need to be addressed such as estate issues and legacy planning. However, with the right team, your family will not only address the necessary insurance and legal issues looming today, you will be guided in your new ventures with lifestyle management and philanthropy planning.
It’s important to have a fiduciary advisor like Strategies on your side of the table to help you coordinate all the moving pieces in your financial life.
At Strategies Capital Management, we will work with you to build a custom package to meet your needs. Some of our services include:
  • Investment Strategy and Implementation

  • Integrated Tax, Legal and other Strategies

  • Wealth Transfer Planning

  • Family Planning and Philanthropy

  • Liability and Lifestyle Management

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Importance of Asset Allocation


Asset allocation –
not investment acumen or
market timing – accounts for more
than 90 percent of an investor’s return.

– Ilana Polyak, CNBC


Performance Over Time

This chart shows the performance of asset classes over two decades. As you can see, not a single fund performs at the highest rate over the entire time period. Investors have a tendency to chase returns and invest in what is hot at that time. That Strategy has a tendency to fail.

Following a set asset allocation Strategy and not falling prey to emotional investing is the best way to see consistent returns.

© Morningstar, All Rights Reserved

Importance of Diversification

It is commonplace for new investors to choose either stocks or bonds when creating their initial investment lineup. As you can see above, both stocks and bonds have wide variances in their performance. This can wreak havoc on an investment portfolio.

You've heard the old saying: Don't hold all of your eggs in one basket. The same is true when investing. When choosing your investments it is important to diversify your lineup by choosing a mix of stocks, bonds and their underlying asset classes. This Strategy lends to a more even rate of return.

© Morningstar, All Rights Reserved

Understanding Market Timing

You've set an asset allocation Strategy, you've diversified your fund lineup, you should be set! But - there is a hot item on the market that promises wild returns. It is easy to get caught up in emotional investing.

The chart above shows how an investor that stays with their original Strategy has a tendency to see higher returns than those that chase returns and modify their Strategy based on market fluctuations.

© Morningstar, All Rights Reserved

Investment Behavior Gap

Behavior Gap

Carl Richards, an author, artist and financial advisor, coined the term “behavior gap” to describe this gap between the higher returns investors could earn and the lower returns they actually earned.

Even in a spectacular year like 2013, investors badly trailed the market because they often piled into funds after big gains and sold after big losses. Buy high, sell low. This further enhances the need for a fiduciary advisor to lend individual investors guidance in times of difficulty as well as those that seem more lucrative.

After decades of analyzing investor behavior in good times and in bad times, and after enormous efforts by thousands of industry experts to educate millions of investors, imprudent action continues to be widespread. Attempts to correct irrational investor behavior through education have proved to be futile. The belief that investors will make prudent decisions after education and disclosure has been totally discredited.
– Dalbar

DALBAR’s data actually goes back to January 1984. They cover several bull and bear markets, the 1987 crash, the Internet boom and bust, and the financial crisis. It’s a great laboratory for studying investor behavior under wildly different circumstances.The table at the top of this story shows the spread between returns investors could have gotten by staying invested and what they actually made. Even in a spectacular year like 2013, investors badly trailed the market because they often piled into funds after big gains and sold after big losses. Buy high, sell low.

They earned 25.5% from their stock investments last year, while the market itself soared 32.4%. In fact, the gap actually widened in 2013 when all people had to do was sit back and count their profits.

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