Investment
Management

Investment Management

We serve our clients through portfolio evaluation and construction, tax minimization strategies, and active money management while monitoring your investments and periodically updating you on changes. We are always abreast on the current market trends with the goal of protecting your money to the best of our abilities. Whatever strategy we think is best for your situation, we will always make sure you understand what we are recommending.

For your personalized portfolio, we meet you where you are at with your investments. Are you looking to take more risk in the stock market? Are you looking to reduce your risk in the stock market? Are you looking for tax-efficient strategies for rebalancing your portfolio? Our job is to put you in a position of strength based off of your risk tolerance and your goals.

**asset allocation, financial analysis

One of our favorite ways to serve our clients is the usage of our tax minimization strategies. We take into account the fact that, well, nobody really wants to pay taxes if they don’t have to! Looking out for you in this area will always be on our minds.

One of the ways we serve our clients best is through active money management. This option is for clients who are looking for ways to potentially minimize their losses in the stock market. If you are interested in active money management, please let us know.

We serve our clients best by meeting with them periodically to discuss their portfolio’s performance and if any changes need to be made. Here we listen to any concerns you might have, and answer your questions accordingly. We will also update you on the market trends that we are seeing, and our thoughts on what we are looking out for.

Even if you choose not to use our Holistic Financial Planning service which works in tandem with our Investment Management service, we will still gather data from your financial situation to do our due diligence when it comes to advising you on what to invest.

Investments we offer

This is a list of all of the investment vehicles that our custodian, Raymond James, has to offer. We might recommend some of these types of investment vehicles, but not necessarily all of them. Of course, our investment recommendations depend on your situation!

  • Exchange Traded Funds (ETFs)

    • ETFs are investment vehicles that bundle diverse assets-like stocks, bonds, commodities, or currencies-into a single tradable security. They combine the diversification benefits of a mutual fund with the flexibility of stock trading. 
      For example, the SPDR S&P 500 ETF (SPY) mirrors the S&P 500 index and the Vanguard Real Estate ETF (VNQ) uses real estate investment trusts (REITs) to mimic the U.S. real estate market.

  • Mutual Funds

    • Mutual funds pool money from several investors to create a diversified portfolio of stocks, bonds, or other securities. This allows individuals to invest in a broad range of investments by only having to invest the minimum investment fee. Mutual funds are managed by professionals for the benefit of the fund’s investors.

  • Individual Stocks and Bonds

    • We can host and purchase specific stocks and bonds for the benefit of of our clients.

  • Hedge Funds

    • Hedge funds typically offer private investment management in a structure that provides managers broad flexibility in executing their mandates. They employ a wide array of strategies and may invest in a variety of financial instruments across global markets. We help assist you in determining the right investments to complement your portfolio.   

      *You should only invest in hedge funds if you do not require a liquid investment and can bear the risk of substantial losses.

  • Real Estate

    • Real estate has long been considered an alternative tangible asset. Real estate can be accessed through traditional means, such as direct ownership and real estate investment trusts (REITs). Together, we select the real estate investments in line with your short- and long-term financial goals.

      Real Estate Investment Trusts (REITs) are financial vehicles that pool investors’ capital to purchase or finance real estate. REITs may concentrate their investments in specific geographic areas or in specific properties types, i.e., hotels, shopping malls, residential complexes and office buildings. The value of the REITs and the ability of the REITs to distribute income may be adversely affected by several factors, including rising interest rates, changes in the national, state and local economic climate and real-estate conditions, perceptions of prospective tenants of the safety, convenience and attractiveness of the properties, the ability of the owner to provide adequate management, maintenance and insurance, the cost of complying with the Americans with Disabilities Act, increased competition from new properties, the impact of present or future environmental legislation and compliance with environmental laws, changes in real estate taxes and other operating expenses, adverse changes in governmental rule and fiscal policies, adverse changes in zoning laws, and other factors beyond the control of the issuers of the REITs.

      REITs involve risks such as refinancing, economic conditions in the real estate industry, changes in property values and dependency on real estate management.

  • Commodities

    • Managers who focus on investing in tangible assets, such as commodities have the potential to generate returns that offer diversification benefits and protection against inflation. We help you field your options, choosing the investment strategy that best suits your needs.

      Commodities are volatile investments and should only form a small part of a diversified portfolio. There may be sharp price fluctuations even during periods when prices overall are rising.

    • Private equity managers seek to make privately negotiated investments in companies, ranging from providing capital for startup companies to “buying out” mature companies with the intent of improving fundamentals and, in turn, the value of the businesses. We assist you in selecting private equity managers that will best complement your portfolio.

    Mutual funds pool money from several investors to create a diversified portfolio of stocks, bonds, or other securities. This allows individuals to invest in a broad range of investments by only having to invest the minimum investment fee. Mutual funds are managed by professionals for the benefit of the fund’s investors.

     

    We can host and purchase specific stocks and bonds for the benefit of of our clients.

    Hedge funds typically offer private investment management in a structure that provides managers broad flexibility in executing their mandates. They employ a wide array of strategies and may invest in a variety of financial instruments across global markets. We help assist you in determining the right investments to complement your portfolio.   

    *You should only invest in hedge funds if you do not require a liquid investment and can bear the risk of substantial losses.

    Managed futures strategies trade in a variety of global markets, attempting to identify and profit from rising or falling trends that develop in these markets. Markets that are traded often include financials (interest rates, stock indices and currencies), as well as commodities (energy, metals and agriculturals). Through careful selection, we help you identify the managed futures funds that best suit your needs.

    Private equity managers seek to make privately negotiated investments in companies, ranging from providing capital for startup companies to “buying out” mature companies with the intent of improving fundamentals and, in turn, the value of the businesses. We assist you in selecting private equity managers that will best complement your portfolio.

    Real estate has long been considered an alternative tangible asset. While real estate can be accessed through traditional means, such as direct ownership and real estate investment trusts (REITs), it is also possible to access this asset class through managers who invest opportunistically in private real estate and trade less mainstream real estate-related securities. Together, we select the real estate investments in line with your short- and long-term financial goals.

    Real Estate Investment Trusts (REITs) are financial vehicles that pool investors’ capital to purchase or finance real estate. REITs may concentrate their investments in specific geographic areas or in specific properties types, i.e., hotels, shopping malls, residential complexes and office buildings. The value of the REITs and the ability of the REITs to distribute income may be adversely affected by several factors, including rising interest rates, changes in the national, state and local economic climate and real-estate conditions, perceptions of prospective tenants of the safety, convenience and attractiveness of the properties, the ability of the owner to provide adequate management, maintenance and insurance, the cost of complying with the Americans with Disabilities Act, increased competition from new properties, the impact of present or future environmental legislation and compliance with environmental laws, changes in real estate taxes and other operating expenses, adverse changes in governmental rule and fiscal policies, adverse changes in zoning laws, and other factors beyond the control of the issuers of the REITs.

    REITs involve risks such as refinancing, economic conditions in the real estate industry, changes in property values and dependency on real estate management.

    Managers who focus on investing in tangible assets, such as commodities have the potential to generate returns that offer diversification benefits and protection against inflation. We help you field your options, choosing the investment strategy that best suits your needs.

    Commodities are volatile investments and should only form a small part of a diversified portfolio. There may be sharp price fluctuations even during periods when prices overall are rising.

    Invest With Forefront

    With our wide range of investment vehicles and our commitment to personalized planning, we are confident that we can help you achieve your specific financial goals.  Our strategies are crafted with the purpose of building your wealth and preparing you for future success.  Reach out to us, and let’s begin working!

    FAQ

  • How much do I pay for investment management?

    • We disclose how much we plan to charge you by the end of our first in-person meeting. We charge our clients a percentage based off of their AUM (Assets Under Management).

  • Do I have to pay you separately for holistic financial planning services?

    • How much you invest with us decides how much we take off for our Holistic Financial Planning service. The difference between the value of the Holistic Financial Plan that you request and the amount that we get paid based off of your investments with us is the amount that you pay us.

      Example: If the Holistic Financial Planning services are worth $2,500 and the Investment Management services for the first year are worth $1,500, then you would only pay $1,000 for the Holistic Financial Plan.