Investment Approach and Vehicles

Wealth Management Group, LLC. Approach to Investment Management

Personally Designed Portfolios

Wealth Management Group, LLC. believes that it is impossible to make generic suggestions about portfolio design. Wealth Management Group, LLC.’s understanding that each individual is unique as to goals and risk-tolerance is the driving force behind their portfolio construction.

 Step 1. Developing an Investment Policy

Before any investor can have a portfolio recommended and implemented, it is most important to understand the clients overall objectives and determine their risk tolerance. Once these crucial factors are discovered, then and only then, can the creation of the optimal portfolio asset allocation begin.

 Step 2. Selecting Investment Alternatives

Once the objectives, risk tolerance and asset allocation are determined, a complete review and analysis of the client’s current portfolio takes place to judge the feasibility of using current holdings to implement the asset allocation. It is during this step that diversification among asset classes and management styles take place.

 Step 3. Monitoring and Supervising

The investment world is very dynamic and client portfolios need supervision. The objectives and the investments are reviewed. A client portfolio is rebalanced to be sure that the asset allocation and risk profile remain consistent with the client's profile.

 Step 4. Keeping on Track with Investment Policy

Future performance of any portfolio will vary. We can never guarantee that any investment objectives will be met. Diversification is a method to reduce risk. It does not guarantee against loss.

The Investment Alternatives used by The Wealth Management Group, LLC.

 

 INDIVIDUAL STOCKS, BONDS AND C.D.’s

- Customization

- Control the realization of capital gains and losses for income tax purposes

 

 PORTFOLIO MANAGERS

- Proven track records

- Diversification

- Focused styles (e.g., growth, value, small cap, etc.)

- Control the realization of capital gains and losses for income tax purposes

 

 MUTUAL FUNDS*

- No discrimination based on size of account

- Diversification

- Administrative convenience

- Focused styles (managed and/or indexed)

 

 VARIABLE ANNUITIES* OR FIXED ANNUITIES

- Tax-deferred growth of all capital gains, interest and dividends

- Ability to switch among subaccounts without tax implications

- Death Benefit Guarantee (Guarantee based on claims paying ability of the issuing company)

 

 

Investment returns and principal values will fluctuate, so that an investor's securities, when sold, may be worth more or less than their original cost.

 

* These Investment Alternatives are sold by prospectus, which includes information on charges, expenses and risks. To receive a current prospectus, please contact your registered representative. You should read the prospectus carefully before investing. Annuities are flexible investment products that you can use to help you achieve your long term financial goals and provide a source of retirement income. There are charges and expenses associated with annuities, such as mortality and expense risk charges, administrative charges, rider fees, and deferred sales charges for early withdrawals. Withdrawals before age 59 1/2 may be subject to a 10% IRS penalty n addition to income tax. Investments in variable annuities are subject to market risk, including the loss of principal. If a variable annuity offers any guarantees, they are based on the claims paying ability of the issuing life insurance company. The guarantees and claims paying ability do not have any bearing on the performance of the investment options within a variable annuity.

 

You should consider the investment objectives, risks, charges and expenses of a portfolio including the variable insurance products and mutual funds carefully before investing. The portfolio, variable insurance product and mutual fund prospectuses contain this and other information. You may obtain a copy of the prospectus from your representative. Please read prospectus carefully before investing. Diversification is a method to reduce risk. It does not guarantee against loss.