Investment
Management
At 3 Peaks Financial, we offer 3 different customizable and dynamic plans with your investment success in mind:
Premier Asset Allocation Plan
Pre-built models arranged by risk scale and investment asset category.
Custom Asset Allocation Plane
Customize-able models intended to suite a client's specific goals, risks, etc.
Premier Investment Plan
Core & Complimentary Portfolios make up our Premier Investment Plan.
Premier Asset Allocation Plan
(Minimum $10,000, Recommended $25,000 and up)
Prebuilt Models
- 20 models (10 taxable and 10 tax sensitive). Each model is managed for total return and the client can choose the model that most closely meets their needs (goal, risk tolerance, etc).
- Least expensive of the 3 Peaks Financial advisory programs.
- Suitable for accounts with infrequent withdrawals.
Investment Selection & Management
- Only investments with consistent above average historical performance vs. their peers (as reported by Morningstar) will be included.
- Investments are monitored quarterly to ensure continued above average performance.
- If an investment's relative performance falls below average it will be replaced.
Rebalancing
- Portfolios are rebalanced twice per year and may cause investor to incur transaction costs, however, most investments used in this portfolio have no transaction fees.
Custom Asset Allocation Plan
(Minimum $10,000, Recommended $25,000 and up)
Customized Models
- Each portfolio is customized to client's specific needs (goals, risk tolerance, liquidity needs, etc.) and can be fully taxable (suitable for retirement accounts) or tax sensitive (suitable for non-retirement accounts).
- Less expensive than the Premier Investment Plan.
- Suitable for accounts with frequent withdrawals.
Investment Selection & Management
- Only investments with consistent above average historical performance vs. their peers (as reported by Morningstar) will be included.
- Investments are monitored quarterly to ensure continued above average performance.
- If an investment's relative performance falls below average it will be replaced.
Rebalancing
- Portfolios are rebalanced twice per year and may cause investor to incur transaction costs, however, most investments used in this portfolio have no transaction fees.
Premier Investment Plan
(Minimum $50,000)
The Premier Investment Plan is a Custom Asset Allocation Model made up of equity linked and fixed income investments. The asset allocation is determined by the account owner, with our advice, based on liquidity needs, risk tolerance, age, and overall financial situation.
Fixed Income Investment Selection & Management
- Only investments with consistent above average historical performance vs. their peers (as reported by Morningstar) will be included.
- Investments are monitored quarterly to ensure continued above average performance.
- If an investment's relative performance falls below average it will be replaced.
Equity Allocation
- The equity allocation of the model is invested into equity linked structured products which include Market Linked CD's and Market Linked Notes. Structured products are sophisticated investment vehicles that may involve an increased level of risk and their liquidity is not guaranteed prior to maturity, but all structured products used in the model have some level of downside protection. This portion of the account is used for growth and protection.
Rebalancing
- Rebalancing will be done as needed for liquidity, and as structured products mature, are called, or liquidated prior to maturity. Rebalancing may cause investor to incur transaction costs, but most investments used in this portfolio have no transaction fees.
Ultra-Short Bond
Description
- Used for short time horizons less than 3 years.
- Ideal for clients that want to minimize volatility in the short term.
- Suitable for accounts with short term liquidity needs.
Investment Selection and Management
- Only investments with consistent above average historical performance vs. their peers (as reported by Morningstar) will be included.
- Investments are monitored quarterly to ensure continued above average performance.
- If an investment's relative performance falls below average, it will be replaced.
Non-Model Funds
Description
- This account type is used for clients that want to self-manage their portfolio.
- Investment decisions are made by the client.
- No regular review of portfolio or performance is performed by the advisor.
Optimum Market Portfolios
Description
- Portfolios created by LPL Financial that vary based on stated investment objective.