Index Wealth Management

                         Mitigating Financial Market Uncertainty

                           Reducing Your Investment Fees and Costs

Real Investment Risk = Financial Market Uncertainty x Consequence

Financial markets are environments where your choices are subjective without the benefit of knowing precise mathematical odds or certain outcomes. Financial market uncertainty can lead to a permanent loss of your investment capital, since the negative consequences of price volatility can be irreversible. Receiving the advice of “be patient and prices will eventually recover” is cold comfort if the value of your life savings has suddenly declined by 30% or more.

Asking what can go right with your investments is the wrong question. Ask what can go wrong, and then protect against it. If you have conviction about your investment decisions and real protection from negative consequences, then you can be confident in reaching your investment goals.

Our investment philosophy is focused on the mitigation of financial market uncertainty. These strategies can protect your capital and will allow you to respond to unexpected financial market outcomes. This requires the development of a sequential investment approach, so that throughout your investment time horizon you have ownership of an option that will allow you the opportunity to revise your investment decisions as you progress toward achieving your financial goals.

We construct individual investment portfolios for our clients utilizing Exchange Traded Funds (or ETFs). ETFs are open-ended trusts and are designed to closely replicate the investment performance of an underlying financial market index. They are listed and traded on major stock exchanges just like individual stocks. Based on your unique investment goals, these ETFs can then be combined with call option writing strategies. The call option strategies are designed to either enhance the income that is produced by your portfolio or provide some amount of protection against the loss of your investment capital.