In the Merriam-Webster dictionary two definitions are provided for the word VITAL: "extremely important" and "needed by your body to keep living". At Fitzgerald Wealth Management we are passionate about the extreme importance of our client’s financial security and we work to ensure our clients live their desired lifestyle. Our VITAL investment approach addresses the key investment risk factors, Volatility, Inflation, Taxes and Longevity.
The cornerstone of our investment process is a scientifically derived asset allocation model invested in investment vehicles such as stocks, bonds, real estate, cash and alternative investments. Using a risk-based core / satellite approach, we construct a long-term strategic portfolio coupled with opportunistic, value-oriented satellite positions after considering a client's risk appetite.
We aim to achieve greater diversification by including alternative investments which tend to being less correlated with traditional asset classes.
Investment tools which provide some level of downside protection can potentially aid portfolio returns in a period of market negativity.
Insurance based products can aid in mitigating market volatility risk by insuring certain returns and can protect against longevity risk of ever outliving one's money.
Your portfolio is developed using an independent, open architecture approach including a variety of assets such as actively managed mutual funds, individual security separately managed accounts, passive exchange traded index funds, fixed and variable annuities and real estate investment trusts. Each client portfolio is constructed to align with your financial circumstances.
As part of your financial planning process, we develop a customized wealth investment strategy that considers your accumulation, distribution and transference goals. This approach also reflects your individual risk tolerance, investment time horizon, cash flow needs, taxes and other circumstances that might impact your current or future financial position.