Our Investment Philosophy:
Build it Right the First Time!
While this business philosophy was popularized by the studies of Total Quality Management (TQM), at IRG we believe that such a sagacious truism applies equally to the contruction of properly correlated portfolios.
Myriad risks are inherent in investing. At IRG, we recognize that, although masked by the extraordinary performance of the markets over the last ten years, there will always be substantial risks inherent in investing and that a methodical, disciplined approach is the best, if not the only way to mitigate investment risks.
Our systematic approach addresses client needs in seven stages:
1) thorough study of existing holdings, cost basis, etc.,
2) determination of optimum form of ownership choice,
3) careful assessment of tolerance and ability to accept risk,
4) creation of a customized investment policy statement,
5) adherence to the all important discipline of asset allocation,
6) careful selection of money mangers, funds and securities,
7) on-going monitoring of performance against expectations.
By employing a methodical approach in concert with our exclusive defined disciplines, and tactical strategies, we seek to both reduce the risks inherent in investing and simultaneously improve overall portfolio returns.
IRG's Risk Assessment Process
Prudent recommendations can only be offered in light of a thorough understanding of your attitudes, feeling and tolerance for risk-taking along with your ability to endure the potential financial setbacks of investment risks. While our goal is to substantially reduce your exposure to risks, our risk assessment process centers around exploring your willingness to endure volatility and/or losses.
At the core of our risk assessment process is our proprietary thirty-seven question survey, which helps us quantify a host of perspectives including your time horizons, need for liquidity, available resources and income and cash flow requirements. This confidential information is used in conjunction with insights gathered in an interview with one of our seasoned advisors to help IRG determine and recommend appropriate ranges for concentration of your investment portfolio according to asset class, investment style, capitalization, credit quality and maturity schedule.
Numerous academic studies have proven, time and again, that the single most important decision affecting portfolio performance is asset allocation. At Investment Resource Group we give this all important issue the time and emphasis it deserves. Following modern portfolio theory parameters, we carefully segment portfolio recommendations according to correlation studies to create more balanced and risk-resistant portfolios. Our process incorporates the best elements of both strategic and tactical allocation disciplines, meaning that whiledesigned for the long-term, our recommendations for portfolio positions are nonetheless responsive to rapidly changing economic conditions and events.
Investment Resource Group, LLC, members, officers, managers, advisors and employees must possess the ability and desire to adhere to its business and investment philosophies and practices and uphold the firm's business ethics and standards. While recognizing that the ability to provide successful investment management and advice is not necessarily dependent upon any particular academic degree or type of education, Investment Resource Group, LLC generally requires that members, managers or advisors possess a minimum of a college degree from an accredited university. Relevant investment, analytical and financial work experience is also important and, if considered adequate, may be substituted for degrees or professional designations.
Investment Resource Group, LLC, members and advisors are required to comply with federal and state regulations requiring registration or licenses. Members, managers and advisors are expected to maintain a commitment to continuing education in studies relevant to their area of responsibility. Achievement of professional designations such as Certified Financial Planner (CFP), Certified Investment Management Consultant (CIMC), and Chartered Financial Analysts (CFA) is encouraged.
Unless required by law or specifically authorized by our clients, we agree to keep confidential information concerning their identity, financial affairs, and investments. We do not, by policy, share information with banks, insurance agents, mortgage brokers or others without a client's approval.
