David john marotta biography books

As our client, you receive an individually designed asset allocation plan to help you achieve your financial goals and meet your financial needs.

Portfolio construction begins with the most basic allocation between investments that offer a greater chance of appreciation (stocks) and those that provide portfolio stability (bonds).

Decisions made at this level are the most critical in determining how well behaved your portfolio returns will be.

There is an optimum allocation between stocks and bonds for a given withdrawal rate, and we customize this allocation for each client based on their cash flow needs.

Below the basic appreciation-stability allocation, we diversify across six asset classes to reduce risk and increase your long-term return.

Those asset classes are Short Money, U.S. Bonds, Foreign Bonds, U.S. Stocks, Foreign Stocks, and Resource Stocks.

Short Money, U.S. Bonds, and Foreign Bonds together are our Stability allocation. U.S. Stocks, Foreign Stocks, and Resource St