Investment Process and Solutions

At Your Mental Wealth Advisors, our approach is to blend behavioral finance and financial psychology into the financial planning and investment management process. We learn about how you think about money and how you choose to use your money. This allows for your advisor to have a deeper understanding of who you are. Your advisor takes into account your life goals, your risk tolerance and your overall financial needs. In return, we can build a more comprehensive Financial Life Plan. Your plan will include investment recommendations that align to your specific risk profile and tolerance level. Your plan will be tailored uniquely to you.

We have a disciplined investment process that begins with our Investment Committee and your advisor. Our Investment Committee establishes our investment standards and your advisor works with you. Our goal is to help you choose the right investment solutions that best fit with your Financial Life Plan.

Our Investment Process

Our Investment Committee has an overall responsibility for our Clients. They are responsible for all portfolio design and portfolio management. They manage the underlying investment selection on behalf of our Clients. It is their job to ensure all investments and portfolio decisions align with the company’s investment philosophy. Finally they ensure that we fulfill the company’s fiduciary obligation.

We offer our Clients diversified portfolio solutions. These are choices that help to manage risk, while taking advantage of market growth. We accomplish this by blending and applying independent third-party research with our own in-house expertise. We combine our own knowledge and experience with changing news and market trends. The result is a process-oriented disciplined approach to money management on behalf of our Clients.

Investment Solutions Overview

We offer portfolio solutions designed to fit our Clients needs at all stages of their financial life cycle. Whether your needs are straightforward, or more complex, we can put together an investment portfolio that works for you. If you’d like to learn more about our investment portfolios or wish to get started on Your Financial Life Plan, please give us a call at 866-520-4985.

Dynamic Portfolios

The Dynamic Portfolios are actively managed globally diversified portfolios. This kind of portfolio will attempt to capture growth in rising markets while also trying to reduce risk in declining markets. We aim to do so by taking advantage of short and intermediate term market inefficiencies. These are periods where market prices may not reflect a true value. We do this through understanding asset class behavior under different market environments. This approach gives us an opportunity to enhance returns and reduce risk. As such, our asset allocation between stocks and bonds will fluctuate. Even with these anticipated changes the portfolios stay within defined tolerance limits. As always we work with each Client to help identify their specific risk tolerance and concerns. We will then make a portfolio recommendation that aligns to the Client’s specific risk profile and tolerance level.

Tailored Portfolios

The Tailored portfolios are custom built portfolios. They utilize the Your Mental Wealth Advisors investment philosophy and portfolio methodology. The Tailored portfolio is ideal for the less standard Client. Individuals, families and organizations who are of high net worth often do best with a Tailored Portfolio. Investors who have complex financial situations may also consider a Tailored Portfolio. We always work with each Client to help identify their specific risk tolerance and concerns. Our portfolio recommendations will align to the Client’s specific risk profile and tolerance level.

If you’d like to learn more about our investment portfolios or wish to get started on Your Financial Life Plan, give us a call at 866-520-4985.

Strategic Core Portfolios

The Strategic Core portfolios similar to Core Portfolios. They are also globally diversified portfolios. They invest across most major asset classes. They too provide exposure to US stocks, international stocks, and bonds. However, in the Strategic Core portfolios, we use a blended approach to portfolio construction. They utilize both passive and active investment management. Strategic Core Portfolios contain both Exchange-Traded Funds ETFs and Institutional Mutual Funds. Each Strategic Core Portfolio has a fixed asset allocation between stocks, bonds and cash. Periodic rebalancing will bring the portfolios back to their original target allocation as needed. We work with each Client to help identify their specific risk tolerance and concerns. Our portfolio recommendations will align to the Client’s specific risk profile and tolerance level.

Core Portfolios

The Core portfolios are foundational portfolios. They provide global diversification. These portfolios invest across most major asset classes. They provide exposure to US stocks, international stocks, and bonds. In the Core portfolios, we use a passive approach to portfolio construction. We do this by utilizing low cost Exchange-Traded Funds (ETFs). Each Core Portfolio has a fixed asset allocation between stocks, bonds and cash. We then do periodic rebalancing. This brings the portfolios back to their original target allocation. We first work with each Client to help identify their specific risk tolerance and concerns. Then we will make a portfolio recommendation that aligns to the Client’s specific risk profile and tolerance level.

Dividend Focus Portfolios

The Dividend Focus Portfolios are diversified portfolios. They are designed with a goal to provide steady income now or in the future. They consist primarily of individual U.S. equities offering better-than average dividend yields and dividend paying fixed income Exchange-Traded funds.

Our dividend selection standards are intricate. As such, not all dividend growing companies are considered for selection.

After a company or ETF meets our initial research and screening process, we carefully evaluate each company or ETF. From there we either select or eliminate them from consideration. Our screening does not end once a company or ETF is selected. We continue to monitor and conduct ongoing reevaluations. It is important to us to ensure the investment continues to meet our standards. We work with each Client to help identify their specific risk tolerance and concerns. The Client’s specific risk profile and tolerance level a key factor in our portfolio recommendation.

Monitor Your Portfolio Online

Through the Your Mental Wealth® Online Client Portal, you have 24/7 access to a consolidated view of your investments. You can review your financial plan at any time. You also have access to any important financial, tax and estate documents.