Decisive Path provides Investment Management services to clients who desire a Comprehensive Financial Plan as well as ongoing investment management. An investment policy statement is developed to design and monitor an appropriate continuing investment strategy based on the Comprehensive Financial Plan.

Investment Management clients have ongoing access. Phone calls and emails receive a quick response, usually within 24 hours. I meet with my clients on a quarterly basis to discuss adjustments to the plan.

Methods of Analysis

In analyzing securities, Decisive Path believes that a stock's price generally reflects all known public information. Therefore, individual analysis cannot be expected to produce consistent superior investment results. Methods such as fundamental analysis, technical analysis, and market timing are much less important than being in the market in a manner that is congruent with a client's risk aversion, goals, and stage of life.

Investment Strategies

Investment portfolios are diversified into certain percentages of cash, domestic stocks, domestic bonds, and international stocks/bonds. This asset allocation is important to reduce systematic market risks. Your particular allocation depends on your goals and preferences.

Because it is proven that few can predict how any particular investment fund will perform next period based on its performance this period, the primary investment vehicles I recommend for client accounts are the passively-managed index funds, exchange-traded funds, and particular low cost actively managed mutual funds. A disciplined approach is recommended through Dollar-Cost Averaging.

The investment strategy for a specific client is based upon the client's objectives and modified over time as circumstances change.

Investment Management clients begin with a Comprehensive Financial Plan. After the plan is completed, a contract is drawn up for an annual management charge. This service typically is $2,500 to $5,000 depending upon the complexity of your situation.