Catalyst Investment Management holds the philosophy that a diversified portfolio is the best way to reach your financial goals. We take a unique approach to investment management, in that we develop a portfolio that takes into account your goals, values, and your risk tolerance to achieve a balance that is diversified within and across asset classes. We also personalize your portfolios to fulfill your personal values.
Our investment management research includes following market and demographic trends, political developments, and economic data so that we can position your portfolio to capitalize on opportunities, while staying aware of and mitigating possible risks. We do not attempt to time the markets, but we do believe that using tools such as the Schwab Center for Investment Management and Morningstar Research allows us to make more informed decisions.
Market changes are inevitable, so we strive to stay abreast of economic news and developments so you’re prepared for market changes, rather than surprised by them.
Please contact us for a complimentary review of your portfolio.
Investment Management Fees
Investment advisory fees are based on the market value of assets under management and range from 0.75% to 1.05% annually based on several factors, including:
- the complexity of the services to be provided
- the level of assets to be managed
- the overall relationship with the Advisor.
Relationships with multiple objectives, specific reporting requirements, portfolio restrictions and other complexities may be charged a higher fee.
We believe that risk is simply a fact of life, which we’ll illustrate with the two following examples.
There was once a woman who wanted to build wealth quickly by putting all her money in the stock market. During normal market downturns, she would panic as her account dipped lower and lower; not to mention, market downturns can result in personal emergencies, such as a layoff or temporarily decreased income. This woman may have needed to withdraw money at times when his account balance was at its lowest! No one wants to experience this situation.
On the other hand, another woman described herself as so risk-averse that she wanted to avoid the stock market as well as fixed-income markets altogether. She preferred to keep her money “safe” in a bank account with low yields. But because of inflation, her money was actually losing purchasing power, at a total of 20% over a period of 10 years with just a 2% inflation rate.
As you can see, there are significant risks with “safe” approaches as well as with “riskier” approaches. So while we can’t erase risk from your life, we can help you mitigate risk in a way that works for you. We use proactive strategies to mitigate the risk that can affect your financial well-being and peace of mind, including:
- Lack of investment diversification
- Market timing
- Macroeconomic risk
- Company risk
- Sector risk
- Interest rate risk
- Political risk
- Concentration risk
- Currency risk
- Credit risk
- Liquidity risk
- Longevity risk
Through our decades of experience, we have witnessed multiple cycles and events that have impacted investors both negatively and positively. Let our market wisdom work for you.
In addition to managing your investments, we offer hourly financial planning consultation. In fact, following a healthy, personalized financial plan over the course of your life can actually be more impactful to your financial wellness than simply having a great investment approach (although that’s important too).
The truth is, we all have blind spots when it comes to our own finances. We seek to shine a bright light with objective, big-picture advice on your blind spots, areas of your financial life that you may not yet be aware of. Don’t let your blind spots prevent you from achieving your financial goals. We offer advice and strategic planning in the following areas:
- Investment planning
- Education planning
- Estate planning
- Tax planning
- Retirement planning
Financial Planning Fees
CIM offers financial planning services on an hourly basis at a rate of $250 per hour. Fees may be negotiable based on the nature and complexity of the services to be provided and the overall relationship with the Advisor. An estimate for total hours and overall costs will be provided to the Client prior to engaging for these services.
In our experience, retirement planning is most investors’ biggest concern. Increasing longevity, health concerns, and the disruption of cash flow most people experience when they stop working all have profound impacts. Not to mention, entering into retirement is a significant transition both emotionally and physically. Proper retirement planning can make this transition easier.
There are many aspects to consider as you enter retirement, including cash flow planning, longevity planning, and tax planning, to name a few. When it comes to tax planning in retirement, you have far more options than during your working years. And with greater options, you have greater opportunities to minimize your tax burden—but only with proper planning.
You must also consider strategies such as how to maximize your Social Security and Medicare benefits. We are experts in Medicare planning and can help you make sure you’re using these benefits wisely.