An Independent Registered Investment Advisory Firm
PRUDENCE ADVISORY SERVICES
Fiduciary Focused
What We Do

Recommendations

We recommend Third-Party Investment Advisors (TPIA) for your investment needs based on your objectives.

Monitoring

We provide oversight of the client account and ongoing monitoring of the activities of the TPIA.

Support

We are only a phone call or email away to discuss the client account and provide ongoing assistance.

7 Step Approach

1. Take our Risk Tolerance Test.

2. Determine the actual risk exposure of your top 7-10 investments and then review their top-to-bottom losses in the Great Recession.

3. Determine the percentage of investments to 3 investment categories:

____% Fixed Assets where you can’t lose your principal but could possibly earn 3-4% per year over the next 5, 10 or 15+ years.

____% Low Risk and Low Volatility with Capital Preservation over time and earn possibly 5-7% per year over the next 5, 10 or 15+ years.

____% Moderate Risk portfolio of equities where the portfolio can go “Risk Off” to cash or potentially make money even if the stock market is going up or down.

4. Review “Aggregate Manager Performance” managers in the Low and Moderate Risk portfolios.

5. Daily management of the portfolio to determine the Relative Strength or the Trend Following aspects of the portfolio.

6. Monitor the overall plan with at least 1 review per year.

7. Make portfolio adjustments as needed.

Individual Fixed Income

Individual fixed income tools offer some protection against the kinds of devastating financial losses experienced by many Americans when the stock market plunged by nearly 50% from January 2000 to March 2003, and by over 50% from October 2007 to March 2009. Despite these dramatic drops, many financial advisors and brokers today remain “stuck in the 90s” mentally, advocating primarily stock market-based strategies, with fixed-income being merely an afterthought. As a result, many take shortcuts in the fixed-income world (for example, using bond funds instead of individual bonds) because they lack the specialized training and expertise it takes to effectively implement and manage individual fixed-income strategies on behalf of their clients.
prudence

  1. the quality or fact of being prudent, or wise in practical affairs, as by providing for the future.
  2. caution with regard to practical matters; discretion.
  3. regard for one’s own interests.
  4. provident care in the management of resources; economy; frugality.
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