Asset Allocation

All investments fall into one of several “asset classes”. 

Some asset classes consist of large-company stocks (also known as equities). Many of these companies you have heard of, and you might even buy their products. Others consist of small-company stocks. 

And then there are thousands of traded stocks in the middle. 

Some of these companies focus on delivering dividends (income) to investors. Others will reinvest earnings back into the company and focus on growing the stock value. 

Bonds (also known as fixed investments) have more flavors than stocks and have historically been less volatile. When you add alternative investment options like real estate, debt, commodities, you have more investment options to consider.

With so many options, the question becomes, “How do you choose which is right for your long-term financial independence?”

Cornerstone believes that one of the fundamentals of a good investment and retirement plan is proper asset allocation. Our comprehensive work with clients includes reviewing and making recommendations on the right amount of stocks, bonds, and alternatives to hold in a portfolio.

Cornerstone also believes that our clients should have options. 

Whereas firms like Fidelity, Vanguard, and others promote their investment products at the expense of outside investment options, we do not have a dog in the race. 

Cornerstone is independent and does not own financial products. Our experience is that clients prefer to have options and work with advisors who don’t sell their company’s products.