Jane Levine's Investment Criteria for LPL Clients

 

1. Define the Client’s over-all Objective, i.e., Aggressive Growth, Growth, Growth with Income, Moderate Growth with Income, or Income with Capital Preservation.  A Risk Tolerance Questionnaire is utilized, along with asking questions about their goals, needs and expectations.

2. If warranted, a comprehensive Financial Plan is done to provide in-depth understanding and direction for the Client.  If no Plan is done, then this information is collected thru a Client Discovery meeting.

3.  A Portfolio Plan is developed that addresses risk management techniques through the utilization of the Client’s answers to the Risk Tolerance Questionnaire, diversification of uncorrelated assets, asset allocation, risk-metrics such as standard deviations and alpha, total costs, and consistency of performance.

4. Appropriate Model Platforms are selected based on the Client’s total financial assets, goals, objectives and risk tolerance.

5. If, and when, Investment Manager Selection is needed, the criteria used is the Manager’s active success rate, whether they buy their own funds, their commitment to lower cost, and whether they responsibly oversee and preserve investors’ assets.  Morningstar, and LPL’s Research Department, are the primary sources for this information.

 

Investing in mutual funds involves risk, including possible loss of principal.

Past performance is no guarantee of future results.

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification and asset allocation do not protect against market risk.