When it comes to investment strategy, one size rarely fits all. Goals-based investing is a powerful approach that tailors your investments to your unique life objectives, transforming the abstract concept of wealth building into a concrete path toward your ideal future.
Goals-based investing is founded on a simple yet profound principle – your investment portfolio should be designed to meet your specific goals. This approach shifts the focus from beating market benchmarks to achieving what truly matters to you.
The process begins by categorizing your financial needs into two main buckets:
Based on these categories, your portfolio is divided into two corresponding parts:
| Cash flow timeline | Investment type |
| < 5 years | Very safe (e.g., investment-grade bonds) |
| 5-10 years | Conservative and balanced (e.g., diversified stocks, bonds, liquid alternatives) |
| 10+ years | More aggressive (e.g., stocks, private investments) |
By aligning your investments with your specific objectives, you’re not just growing your money – you’re actively building the future you envision. As your life evolves, this approach provides a flexible framework to ensure your investments continue to serve your changing needs and aspirations. The journey to financial well-being is deeply personal, and the destination is uniquely yours to define. Of course, we’re always here to help you draw up a roadmap.
Registration with the SEC should not be construed as an endorsement or an indicator of investment skill, acumen, or experience. Investments in securities are not insured, protected, or guaranteed and may result in loss of income and/or principal. Nothing in this communication is intended to be or should be construed as individualized investment advice. All content is of a general nature and solely for educational, informational, and illustrative purposes.