Investment Philosophy

Financial Management Associates, LLC, approaches investing and money management with two fundamental directives:

  1. To use a disciplined investment approach that includes asset allocation modeling, fundamental security analysis, and the following of global economic trends;
  2. To target the maximum total return, with the minimum amount of risk, that is compatible with our clients' goals and objectives.


Methodology

To accomplish these two fundamental directives, Financial Management Associates, LLC utilizes the following:

Investment Strategies

Asset allocation refers to the broad types (or classes) of investments that we will apply in managing your investments, and the desired weightings to those classes. In general, our selected asset allocation should reflect your tolerance for risk, the time frame for achieving your goals, your tax situation, and your overall liquidity needs. Your actual investments, the allocation to asset classes, and the weightings to those asset classes can be expected to change due to market conditions, changing objectives or financial circumstances, as well as other factors.

Client Communication

Our approach begins with the identification of our clients' financial objectives and time horizon, which incorporates the dynamics of risk and return. These objectives may vary for maximizing capital gains to maximizing current income within the context of capital preservation. After the proper investment objectives have been identified, a customized investment portfolio is created with the added benefit of ongoing professional management.

We strive to provide our clients with the highest quality of personalized service, and we encourage open channels of communication. We are responsive to any changes in our clients' needs and are prepared to adjust their investment portfolios accordingly.

Contact Us

Financial Management Associates, LLC
510 Turnpike Street, Suite 203
North Andover, MA 01845-5822
Phone: 978-687-2867
Fax: 978-975-1948
E-Mail: apkcap@comcast.net

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