Our
objective is to provide earnings above average, with above average consistency,
while minimizing portfolio risk given the guidelines adopted for our clients.
Market Timing
We believe in long term investment principles. We
believe that the level of risk associated with market timing does not warrant
the potential rewards, therefore, we do not attempt to time the capital markets.
Asset Allocation
We seek to develop portfolios consistent with
the goals, time horizon and risk tolerance of our clients without incurring undue
risk. Fundamental to wealth accumulation and preservation is proper asset allocation,
which entails strategically allocating invested funds across various asset classes
e.g. Stocks, Bonds, Cash.
Diversification
We promote diversification
within asset classes to reduce portfolio risk associated with concentrated holdings,
and to enhance potential portfolio returns.
Investment Products
Being an independent firm, Bell Wealth Management is allowed the freedom to support
an open architecture, meaning we are not limited to using a proprietary product.
Through our Broker/Dealer we have access to, and utilize the experience and expertise
of, over twenty institutional money management firms, a full universe of load
and no load mutual funds, scores of leading insurers, Limited Partnerships programs,
Trust Companies, and full FDIC banking services.
Due Diligence
Companies we choose to work with on our client's behalf must pass several levels
of due diligence review. Once a company has passed the screening of our Registered
Investment Advisor, Cambridge Investment Research Inc., the partners of Bell Wealth
Management also conduct reviews to determine if the provider's strategy can add
value for our clients.
Compensation
We do not seek to be the
least expensive advisors, rather we seek to be the best financial advisors for
our clients. Prior to any professional engagement we fully disclose and discuss
our compensation and any program costs. We believe cost should not be the issue
of a professional engagement, rather the focus must be on the value added by a
relationship with us, in helping our clients toward achieving their long-term
goals. |
