Our Investment Philosophy

Here at Perspective Wealth Planning, we use an active asset management approach by utilizing our in-house Investment Strategist.  This allows us to continually monitor and update your portfolios for the ever-changing market conditions.  We feel that this gives us an edge to efficiently manage risk for our clients.  In our quarterly reviews, we bring in our Wealth Management Advisor to discuss key market events and our strategy moving forward.  We also discuss account performance and any updates needed to your financial plan.  

Why Active Management

Although there can be arguments made for both active and passive investment strategies, our approach to risk management is the reason we choose to actively manage your portfolios.  This active investment strategy allows us to make changes to your portfolios during times of opportunity, and also allows us to shift assets to more conservative strategies when there seems to be market uncertainty.  We use an "unconstrained" approach to investing, which means we do not limit the sectors and spaces of the market that we can invest in.  Exchange Traded Funds (ETF’s) and individual securities are our core holdings, which seek to keep the overall cost of our portfolios down.

Our Portfolios


This portfolio utilizes a balanced strategy of low-cost index ETF’s and bonds.

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This portfolio is invested in individual securities that are known as the "Dividend Aristocrats", with a portion of the portfolio also invested in various bonds with the goal of long-term growth with consistent income.

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This portfolio is our actively managed, long term growth portfolio. This portfolio utilizes ETF’s and individual securities that, according to technical analysis charts, have the opportunity to outperform the market.

Active management is when investment managers attempt to outperform the market by predicting market activity, and can add value to portfolios by anticipating market cycles and continuously changing asset allocation over time.  The payment of dividends is not guaranteed. Companies may reduce or eliminate the payment of dividends at any given time.  No strategy assures success or protects against loss.  Investing involves risk including loss of principal.  Stock investing involves risk including loss of principal.