Investment Planning

Investment Management

Our investment management process provides comprehensive planning to determine your goals and circumstances and then to make recommendations for an investment strategy that aligns with your goals, implementation of your investment strategy, and a review of your financial plan to help you stay on track to achieve your financial goals.

Establish Your Investment Strategy

One of the keys to a well-planned and executed investment strategy is to align investment decisions with your financial plan. Your plan will recommend and establish an appropriate asset allocation, including stocks, bonds, and cash based on your goals, circumstances, and inputs that you have provided to us. Your time horizon — the time left until you plan to use your assets — and your risk tolerance (your personal feeling toward risk) are examples of inputs we consider when making recommendations to you.

Many factors impact decisions about your investment strategy over time, including life events such as health status, loss of income, job stability, marriage, the birth of a child, divorce, and the loss of a loved one. Market environmental factors also play a role in maintaining your target allocation over time.

 

  • A common mistake made by investors is failing to review or revisit their asset allocation over time, or after a change in circumstance. We can work with you to understand the unique factors in your life that influence your investment strategy.
  • We can establish an asset allocation that aligns with your goals and preferences.

 

We recommend that a financial plan be completed to consider all the factors that go into determining an asset allocation that is tailored to help you reach your financial goals. A financial plan will provide an in-depth look at your goals, current financial picture, and projected outlook for the future.

Step 2: Choosing Between a Brokerage, Advisory Relationship, or Both

Depending on your financial needs and personal preferences, you may opt to engage in a brokerage relationship, an advisory relationship or a combination of both. Each time you open an account, we will make recommendations on which type of relationship is in your best interest based on the information you provide when you complete or update your client profile.

We are committed to delivering the highest quality advice and services to clients, and to making recommendations that are in your best interests. One such fundamental recommendation is whether to choose a brokerage relationship, an investment advisory relationship, or a combination of both. These important decisions are driven by your goals, needs, and preferences, and the costs associated with those services. Janney is registered as a broker-dealer and an investment adviser, which means that we can offer you both types of relationships. Which type of investment relationship is in your best interest? It’s important to first understand the differences.

Advisory Relationships

An advisory relationship offers you a more holistic relationship where Janney and your Financial Advisor are held to a fiduciary duty of care, which requires us to:

 

  • Act with utmost care and good faith toward you.
  • Seek best execution of transactions for you.
  • Avoid or disclose material conflicts of interest.

 

Rather than paying commissions for each transaction, you pay an asset-based fee which includes the delivery of advice and guidance, a defined investment strategy, as well as active monitoring of your investments. Advisory accounts are commonly referred to as “fee-based” relationships.

Brokerage Relationships

Brokerage relationships are more transactional in nature. Each time you decide to buy or sell securities within your account, you incur transaction costs commonly referred to as commissions. There is no ongoing monitoring of a brokerage account, although your Financial Advisor may generally review the holdings in your account when providing a recommendation to you. Janney provides custody of your assets, and executes securities transactions on your behalf.

Your Janney Financial Advisor will make recommendations that are in your particular best interest based on your investment profile and that the potential risks, rewards, and costs associated with the recommendation.

Your Investment Profile:

 

  • Your age
  • Assets/investments
  • Financial situation and needs
  • Tax status
  • Investment objective
  • Investment experience
  • Investment time horizon
  • Liquidity needs
  • Risk tolerance

 

We can collaborate with your attorneys, accountants, trust officers, and any other advisors in your network to ensure that your estate plan is fully prepared and properly managed.

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