Our Process
Our Approach to Wealth Management
Our approach integrates your objectives into a personalized plan that can be updated as life changes occur. We combine sophisticated investment planning tools with professional resources to help match your objectives with customized solutions. Our process includes:
- Understanding Your Goals – Every relationship with Laguna Wealth Advisors begins with a discussion of your Goals and Needs and the financial resources needed to accomplish them. We begin by listening, to understand you and your financial goals.
- Gathering Your Current Financial Information – Together, we gather your relevant personal and financial data.
- Analyzing and Evaluating – This data is then analyzed, keeping in mind your goals and needs, and various solutions are evaluated until an appropriate strategy is formulated to match your objectives with sound strategies
- Recommending Strategies – This overall strategy is presented to you and is the basis for your overall Investment Policy Statement.
- Implementing Thoughtful and Creative Solutions – We develop customized solutions tailored to your objectives, drawing from a wide selection of world-class products and services.
- Providing Timely, Ongoing Service – We regularly review your situation to help ensure your financial objectives are being met.
Investment Principles and Portfolio Construction
Laguna Wealth Advisors, LLC's investment process is best described as a top-down asset allocator. Based upon a client's risk tolerance and financial goals, an appropriate target asset allocation (the mix between stocks, bonds, alternative investments, and cash) is determined. The portfolio is then managed within these parameters.
The equity portion of the portfolio is invested using a combination of market-index ETFs, a sub-portfolio of Sector ETFs using a Relative Strength algorithm, individual stocks (if appropriate), and/or mutual funds. These securities will be diversified to provide exposure to US and international markets, as well as market size and style, as appropriate.
The fixed income portion of the portfolio is addressed using mutual funds and ETFs. Care is given through specific fixed income sector selection to create portfolios that are well suited for the forecasted economic and interest-rate environment.
When appropriate and suitable, alternative investments will be included in the portfolio in an effort to reduce overall portfolio risk and/or enhance overall return. These types of investments are typically less liquid than traditional investments and therefore require a unique discussion with the client about illiquidity issues. Only after this discussion will these types of investments be considered for inclusion in a portfolio.