Marietta Area Chamber of Commerce

Page 6 Marietta Area Chamber of Commerce Sponsored Advertisement Review Your Investment Objective Periodically reviewing your invest- ments to help ensure they are on the right track is an important and mean- ingful measure in working toward your financial goals. Here is a simple but valuable way to get more from your investment strategy. When your next brokerage statement arrives, check your account profile to make sure that all the sections are accurate and up to date. This includes your investment objec- tive, risk tolerance, and time horizon. Investment objective. Focusing on your investment objectives helps your financial advisor align the other parts of your invest- ment strategy – risk tolerance, time horizon, and liquidity needs – appropriately. Asset allocation models are grouped within three overarching portfolio orientations: Income: Portfolios that primarily seek cur- rent income with minimal consideration for capital appreciation. They usually have less exposure to historically more volatile growth assets. Growth and Income: Portfolios that seek a blend of current income and capital appreci- ation. They usually have some exposure to historically more volatile growth assets. Growth: Portfolios that primarily seek capi- tal appreciation with minimal consideration for current income. They usually have sig- nificant exposure to historically more vola- tile growth assets. Risk tolerance. Many investors differ when it comes to factoring risk into their invest- ment strategy. Each investment strategy should include an appropriate mix of invest- ments, based on the client's objectives. Risk tolerance is the amount of risk you're will- ing and able to accept in order to pursue your financial goals. Risk tolerance should be viewed along the following continuum: Conservative investors accept the lowest amount of risk. Moderate investors seek a balance between stability and appreciation in their portfolio. Aggressive investors accept a higher risk for losses while seeking greater potential for returns. Time horizon. How long do you plan to invest before you'll need the mon- ey? The answer, of course, depends on your stage in life and your goals. Your time horizon is the expected number of months, years, or decades you plan to invest toward your finan- cial goals. Time horizon is generally expressed as: Immediate – Less than 1 year Very short-term – 1 to 3 years Relatively short-term – 3 to 5 years Intermediate – 5 to 10 years Long-term – More than 10 years When checking your portfolio's alignment, it's also a good idea to make sure you've accounted for your liquidity needs. Liquidity need repre- sents the extent to which a customer Members of the Advisory Team Front Row left to right: Rob Blasczyk, Chris Hall, Managing Principal, Brett Bronski Back Row left to right: Zane Eschbaugh, Rob Beardmore, Jeremiah Kuhn, Kevin Knabb This adver sement was wri en by Wells Fargo Advisors Financial Network and provided to you by Chris Hall, Managing Principal. Investments in securi es and insurance products are: NOT FDIC-INSURED/NOT BANK-GUARANTEED/MAY LOSE VALUE Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC, Member SIPC, a registered broker-dealer and non-bank affiliate of Wells Fargo & Company. © 2019 Wells Fargo Clearing Services, LLC. All rights reserved. CAR-0119-04566. desires the ability or has finan- cial obligations that dictate the need to quickly and easily con- vert to cash all or a portion of an investment. For reference, cash is the most liquid asset, while real estate, fine art, and collecti- bles are all relatively illiquid. Liquidity needs include: Significant (primary need is li- quidity) Moderate (may need quick ac- cess to cash) None (have other sources of cash) When building your portfolio, it's important to evaluate wheth- er your current plan is aligned with your current goals and risk tolerance. Talk with your finan- cial advisor to help ensure your strategy is on track to achieve your goals. Hall Financial Advisors, LLC 1101 Rosemar Road, Suite A, Parkersburg, WV 26105 416 Hart Street, Suite A, Marietta, OH 45750 TOLL-FREE: (866) 865-4442

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