Investment Services
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Barclay Investment Advisors provides the following investment services:
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Building an investment portfolio that puts your money to work for you is our specialty.
The Beliefs that Shape our Investment Services
Portfolio Design
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Client Related Issues
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Goal Setting - We believe that clients must set their own goals. It is our responsibility to educate them in the process and to assist them in defining, quantifying, and prioritizing their goals.
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Time - We believe that the relative risk of increasing equity exposure decreases as the time horizon of the goal increases. We do not believe clients should have exposure to equities if their investment time horizon is less than 5 years.
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Risk Tolerance - We believe that a client’s risk tolerance is a significant constraint in the investment management process. A client’s ability to “stay the course” during turbulent markets is imperative to achieving investment success.
Investment Theory Issues
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Markets Are Efficient - We believe that markets work and, for investment purposes, assets are fairly priced.
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Risk and Return Are Related - We believe that priced risk factors determine expected return.
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Diversification is Key - We believe that diversification reduces uncertainty. Concentrated investments add risk with no additional expected return.
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Structure Explains Performance - We believe that asset allocation principally determines results in a broadly diversified portfolio.
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Implementation
We believe that a client’s core portfolio (their "serious money”) should consist of “smart index mutual funds” and/or Exchange Traded Funds (ETFs). If the portfolio is large enough to develop diversification, we believe that a laddered bond portfolio is superior to fixed income mutual funds or ETFs.
Continuous Monitoring
We believe that there should be regular review of a client’s situation to determine if they are continuing to move in the direction of achieving their goals.
As necessary, modification
We believe that portfolios should only be modified (make revisions in strategic allocations) to meet changing client circumstances or goals and not due the latest or hottest trend in the markets.
Comprehensive or Modular Financial Planning Services
These services either 1) coordinate all aspects (comprehensive) or 2) focus (modular) on a specific area(s) of a client’s financial situation. The areas typically covered are:
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Establishing Short- & Long-Term Goals
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Cash Management
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Portfolio Planning & Evaluation
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Income Tax Planning
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Retirement Planning
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Children’s Education Planning
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Estate Planning
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Insurance Needs Analysis
Financial Consulting Services
These services are provided to clients who have a specifically identified need or question and requested that Barclay Investment Advisors provide input and review. Typical items addressed include, but are not limited to:
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