Investment Management

Our Investment Philosophy

At Forbes Financial Planning, we take a prudent approach to managing your assets. After carefully identifying personal risk tolerance, we use diversified portfolios to match your specific needs and then monitor and rebalance accounts on a regular basis. 

Our strategy employs the following 10 principles:

• Embrace market pricing: with millions of participants trading securities globally on a daily basis, the current prices of these securities reflect the real time information available to investors

• Don’t try to outguess the market: the market’s pricing power has an effective outcome on performance, as evidenced by only 19% of actively managed US Equity mutual funds that have survived and outperformed their benchmarks over the past 15 years

• Resist chasing past performance: most investors make investment decisions based on past performance, which provides very little insight to the fund’s ability to outperform in the future

• Let the markets work for you: taking a “buy and hold” approach to the markets have rewarded long term investors by providing returns that have outpaced inflation

• Consider the drivers of return: utilizing academic research that analyses the “premiums” of return can provide positive differences in performance and overall costs

• Practice smart diversification: adding broad exposure to global investments can help reduce risks that have no expected return, and reduce volatility over the long term

• Avoid market timing: trying to guess which market segments will outperform from year to year is extremely difficult; owning a broad selection of global securities will position your portfolio to seek returns wherever they occur

• Manage emotions: two things are certain- the market will go up and the market will go down.  Reacting to current market conditions may lead to poor decisions at the worst times

• Look beyond the headlines: daily market news and commentary can challenge even the best investment disciplines, which is why we help you understand the consequences of chasing the latest investment fads

• Focus on what you can control: we aim to create a better investment experience by developing a personalized investment plan and helping you stay focused on actions that add value

Fee Structure

The investment management structure for Forbes Financial is fee-based. Fee-based allows us to engage in a management structure with transparency and mobility. There are no commission based or loaded mutual funds in our portfolios. This keeps costs down and allows more money to work on the client's behalf to reach financial goals. We have the freedom to utilize no-load mutual funds and exchange-traded funds (ETFs) from most any fund family.