Asset Management
Helping preserve and create assets through customized, tax-efficient management.
Asset management services offered through Carroll, Frank & Plotkin, LLC are designed to provide an efficiently balanced, diversified portfolio that is customized to meet your investment objectives.Your advisor will restructure your investment portfolio using a six-step process that methodically analyzes, carefully reorganizes and continuously monitors the asset allocation that has been tailored to match your risk propensity.
Step 1: Discovery Session. In this session you and your advisor will determine your investment objectives, risk tolerance and time horizon.
Step 2: Asset Allocation. Your advisor will construct an appropriate asset allocation based on the objectives developed in your Discovery Session. Your allocation will be constructed by using several different asset classes.
Step 3: Investment Team Selection. Utilizing the team approach, you and your advisor will choose investment strategies and/or institutional investment platforms consisting of portfolio strategists. Carroll, Frank & Plotkin, LLC uses some of the largest and most well-known global investment firms.
Step 4: Monitoring and Rebalancing. Your Investment Team will continually monitor your portfolio and rebalance your assets as needed.
Step 5: Performance Reporting and Review. You will receive monthly custodial statements, quarterly performance reviews and year-end tax reports. You and your advisor will meet on a quarterly basis, or as needed, to review your portfolio’s performance and make any changes deemed necessary.
Step 6: Year-end Tax Planning. Upon request, your advisor will analyze your portfolio to help increase your tax savings by harvesting any losses to offset your taxable gains, as needed.
Empirical studies show that asset allocation determines the vast share of long-term investment results (asset allocation 91.5%, security selection 4.6%, market timing 1.8% and all other 2.1%). Carroll, Frank & Plotkin, LLC believes it is more prudent to create the proper mix of asset classes than to attempt to pick individual securities. Modern Portfolio Theory* was founded on the principle of asset allocation: The goal is to identify your acceptable level of risk tolerance, and then to find a portfolio with potential for greater return for that level of risk.
There are an infinite number of combinations of asset classes that may provide diversification. The optimal asset allocation is the portfolio that potentially provides the highest expected return given an investment profile and preferences. Optimal portfolios are located on the Efficient Frontier, which represents the set of theoretical portfolios that provide the maximum expected return at each level of risk. There is no guarantee, however, that such returns will be realized. With flexibility in the amounts allocated to each asset class, we seek to match the risk profile with an appropriate asset allocation with the goal of potentially providing the maximum expected return for your risk preference.
Explanatory brochures relating to account protection are available upon request or at www.sipc.org.
Investors need to be aware that no investment plan/asset allocation can eliminate the risk of fluctuating prices and uncertain returns. Past performance is no guarantee for future results.
Investors should be aware of additional risks associated with international investing such as increased volatility, currency fluctuations, and differences in auditing and financial standards.
Please note that rebalancing investments may cause investors to incur transaction costs and, when rebalancing a non-retirement account, taxable events will be created that may increase your tax liability. Rebalancing a portfolio cannot assure a profit or protect against a loss in any given market environment.
*Modern Portfolio Theory is an investment approach first introduced in 1952 by economist Harry Markowitz, who later shared a Nobel Prize with Merton Miller and William Sharpe for their broad theory of portfolio selection. Modern Portfolio Theory explores how investors can design portfolios to help select the best mix of potential return for an assumed level of portfolio risk, according to their specific goals; however there can be no assurances that such performance will be realized. The theory also quantifies the benefits of asset allocation. Though asset allocation and/or diversification cannot eliminate investment risk or losses, it may provide opportunities to lessen your portfolio’s volatility.
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