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The Investment Management Process

A clear definition of your investor profile is one of the most significant parts of a sound investment program and allows you to build a solid foundation for success. Our first priority is to define your goals, time horizon, comfort with risk, and most basic reasons for investing.  This evaluation is designed to help you with the second part of the investment process: developing a personalized investment strategy.

This allocation is based on generally accepted investment theories that take into account the historic returns of different asset classes.  There is an objective relationship between your proposed allocation and your investor profile.

While the financial markets may be complex, fortunately, the fundamentals of successful investing are not.  Defining your investor profile and developing a suitable strategy are two fundamental steps that successful investors have followed for decades.  They should be the foundation of the investment program you develop. 

As your Financial Advisors, we will be your partners throughout this process and will lead you through the asset allocation decision and explain the next two steps in the investment process: professional money management and quarterly performance reporting.


Identify Investor Profile

Develop a Personalized Investment Strategy

Professional Portfolio Management

Quarterly Performance Reporting

WEALTH PRESERVATION

WEALTH PRESERVATION

"It's not how much money you make, but how much money you keep, how hard it works for you, and how many generations you keep it for." 

Wealth preservations involves careful planning, monitoring, tax optimization, and asset protection in order to ensure your wealth is preserved and can be passed on to future generations.

CERTIFIED ESTATE PLANNING*

CERTIFIED ESTATE PLANNING*

Estate Planning gives investors control over how assets are distributed after you pass away. Our team includes a Certified Estate Planner*, available to provide guidance on investment strategies, safeguarding of assets, and a smooth transition of wealth to secure your financial legacy.  


*Certified Estate Planner Designation held by Ernest Carrera.

PORTFOLIO MANAGEMENT 

PORTFOLIO MANAGEMENT 

Managing your assets effectively is an essential part of the investment management process. Portfolio management is the process of overseeing and managing a collection of investments. It involves making strategic decisions on asset allocation, diversification and risk management to optimize returns and align with your investor profile. 

FINANCIAL INSTITUTIONS

FINANCIAL INSTITUTIONS

Carrera Financial is backed by LPL Financial, the largest Broker-Dealer in the nation* among 3rd party providers of brokerage services to banks and credit unions. LPL has over 800 Financial Institution partners and services more than $1T in brokerage and advisory client assets. 


*As reported by Financial Planning magazine, June 1996-2023, based on total revenue.