Investment Planning

One of the principal reasons why you invest is to ensure a better financial life for you and your family. A properly constructed portfolio will provide you with enough cash flow to fulfill your dreams and reach your goals. Investing should be easy, not hard.  Following the principles and strategies that we can prepare for you can make your investment plan easy.

Stocks, bonds, real estate, precious metals, and cash alternatives are just a few of the investments we utilize for our clients. Investment planning is a crucial step toward reaching your financial goals. While located in St Louis MO, our professionals can help and guide you to review your options, no matter where you live.

Your investments are a crucial component of your overall financial plan.  Having an investment plan can help identify strategies that are vital to achieving your financial goals. Our deeply personal process starts with identifying your goals and objectives and then matches them with your available resources.

Working with our firm will help create strategies based on your specific goals and needs. We also want to ensure that you gain knowledge when completing your investment plan, we do that by focusing on and taking the time to educate you.

Advantages of Investment Planning

• Financial knowledge: When you develop an investment plan, you know and understand your current financial situation better. Having a financial understanding of where you’re at today, and where you want to go tomorrow, will ensure that your investment plan is on track.
• Understand the most efficient use of investment vehicles: Investments are not created equal.  We know there isn't a single  “one size fits all” investment.  We take the time to analyze which investments fit your goals, and give you the tools to monitor your progress to ensure that your financial plan remains on track. Our firm utilizes the most suitable investment vehicles for our clients depending on current trends, economic climate, and many other real world factors.
• Comfortable plan for asset growth: Our investment planning process helps you choose a comfortable and convenient plan for growing your assets.

Without a strong investment plan, your investments could work against your goals. Planning is an essential part of your investment success.  These are the crucial steps in the investment planning process:

Step 1: Define your current financial situation

When making an investment plan for your future, a reliable investment planning firm can advise you to assess your present financial situation. We start with helping you to identify what’s important to you, and then we develop strategies to help you get there.  We then use our investment planning tools to ensure you stay focused in achieving your goals, by reviewing both your risk and your return, and ensuring a proper balance between both.

While our firm may be physically located in St. Louis, MO, we can advise you from wherever you are.  We have the ability to zoom with our clients, no matter where they are.  With innovative online tools, your financial situation can be analyzed with recommendations that will help keep you on track.

Step 2: Set your financial goals

After defining your current  financial situation, then we help you identify both your short and long term financial goals. Knowing why you invest can be an important step in setting your financial goals.  Our firm will help you develop a timeline for your goals.

Your goals can be based on many factors like income, safety, and growth. Whatever your goals, they require strategies that are unique to you and your situation.

Step 3: Know your risk tolerance

How much risk are you willing and able to take? Knowing your risk tolerance will help determine the kind of investments that fit your financial plan. Though riskier investments have the potential for higher returns, they also have the potential to be more volatile. If you want to build wealth over time, you may consider other, less volatile investments.

Knowing your risk tolerance will help you build a reliable asset allocation. We strive to be a firm you can depend on when assessing your individual investment risk, and portfolio development.

Step 4: Decide where to invest

There are so many options available for your investments. Your goals, budget, and risk tolerance should be your guide towards finding a suitable option. Whichever investment vehicles you choose, diversification can be a powerful tool to utilize. The principal benefit of diversification is to spread the inherent risk in owning your investments. Investment liquidity may also be another consideration.

Step 5: Monitor your investments

It's not enough to make investments. It's also wise to check in and see how your investments are progressing. An investment planning firm can guide you on monitoring your investments and advise you should you need to rebalance your portfolio. Our investment planning process is entirely client focused, and we use innovative software that can track your overall progress towards your financial goals.

Step 6: Asset allocation calculation

To develop your asset allocation strategy, you may want the help of an investment advisor. Developing an asset allocation plan, will give you the flexibility to run various scenarios based on different outcomes.  The more prepared you are in analyzing these different scenarios the more confident you’ll be in the plan you’ve developed.

Whether you are new to investment planning, or have experience, our advisors may be able to help you. Finding a qualified investment advisor can be challenging, with so many of them appearing in search results.

At Pines Wealth Management, we are confident that we can help and guide you in developing your financial plan. Our highly  personalized service is based on your financial goals, needs, and wants. Our team of experts has years of experience in investment planning services. You can rest assured that our firm is committed towards getting and keeping you organized, so that achieving your financial goals is well within your reach.