Services

Customized Investment Advice

We will design and help you implement a customized investment portfolio that focuses on achieving your specific goals, based on your time horizon while enabling you to live comfortably with the portfolio risk.

Our firm's investment philosophy is based on decades of academic research, which conclude:

• A portfolio's asset allocation is responsible for approximately 92% of the portfolio's return; market timing and security selection contribute a small percentage of the overall return.
• A broadly diversified portfolio including a range of asset classes will produce an optimal risk-return profile.
• We focus on a long-term view of the markets and do not engage in; market timing, or market speculation, or pursuing the latest hot trend or product based on Wall Street buzz.
• We are not stock brokers and don't claim to provide value to you by selecting individual stocks in order to 'beat the market' as we don't believe this to be a successful long-term strategy.

We develop an investment strategy with an appropriate asset allocation based on your unique financial plan. This strategy is designed to help you meet your short-and long-term goals.

Asti Financial then executes your customized investment strategy utilizing a variety of investment vehicles which can include the following: cash and equivalents, fixed income, US equities, foreign investments and alternative investments, if appropriate. We use CDs, high yield money market accounts, low cost, no load mutual funds and Exchange Traded Funds, employing a passive, or indexing, approach to investing, with some actively managed funds utilized in specific areas where passive alternatives are not available.

We will work with you on an ongoing, hourly, as needed basis for future rebalancing. We will create an ongoing communication calendar for you to maintain contact over time. We want to ensure your investment plan stays in line with your risk tolerance, financial goals and market conditions by taking into consideration your changing financial and tax situation.

Through continued communication with you, we coordinate the investment strategy to your overall financial plan to minimize tax liability, risk, and investment costs, while focusing on obtaining your goals.