First we listen, then we plan

The first step to designing a customized portfolio is gaining a deep understanding of your personal circumstances and investment philosophy. We do this by learning about your short- and long-term goals, risk tolerance, current tax burden and values.

Designing an individualized portfolio

Asset allocation is the critical factor in designing the optimal financial plan, because it allows us to help safeguard your investments while achieving maximum returns. Some of the investment products we consider include:

• Bonds and bond funds
• Stocks and equity funds
• Annuities
• Exchange Traded Funds (ETFs)
• Unit Investment Trusts (UITs)
• Real Estate Investment Trusts (REITs)

Ultimately, our goal is to build a portfolio that is “best of breed”—investing in the most appropriate products based on your strategic financial goals and then continually monitoring those investments to make sure they are meeting or exceeding your expectations. And, of course, your portfolio is always a work in progress, requiring adjustments as personal circumstances and market conditions dictate.

With unpredictable market swings, we know the importance of limiting volatility by creating customized portfolios with strategic asset allocations. This is what American Investment Planners is best known for—we tailor an investment strategy to not only withstand a variety of financial climates, but also to grow your wealth over time.

Even if you are comfortable with your portfolio, we will review it to determine if there are any components that are under performing or becoming obstacles to your long-term goals..

Our unbiased perspective

As an independent advisory firm, we have the freedom to shop for the products we feel are most appropriate for your unique needs. We are never beholden to proprietary offerings. Furthermore, we are registered representatives of one of the most highly regarded independent broker/dealers in the country, Cadaret Grant & Company (Syracuse, New York ).

Our fee schedule is flexible, reasonable and customized to your specific needs.

“My first step is to review my client’s portfolio, lifestyle and circumstances and pretend that I am in that situation, so my recommendations are as careful and thorough as if I were creating a financial plan for myself.”

- John L’Abbate, CFP®, Director of Tax Planning

“Although the recent market fluctuations have kept investors on edge, I have proven that preemptive planning offers them the financial stability they want. If I am going to err, it will be on the side of caution and preservation.”

- Steven Hoffman, CFP®, Vice President, Investment Services