2210 Midwest Rd, Suite 214

Oak Brook, Illinois 60523

Phone: 630.645.8201

Fax: 630.645.9201

genevafinancialgroup.net

ASSET MANAGEMENT

Insurance statement:  All IRA accounts are SIPC insured up to $24,500,000, of which up to $900,000 can be cash.  This is nearly 100X the level of insurance that your IRA would have by FDIC as a bank account.

We use a classic asset allocation strategy to properly manage assets for our clients.  Asset allocation is a term used to refer to how an investor distributes investments among various classes of investment vehicles (e.g., stocks and bonds). This is a time-honored diversification strategy appropriate for many types of accounts, including retirement, trust, and pension accounts to name just a few.  Asset allocation is one of the most important aspects of financial planning.

An example of a sound asset allocation strategy is represented in the following table:

Geneva Financial Group offers asset allocation services to our clients.  While the Geneva Financial Group investment model normally fits quite well in the large cap space, it may not be appropriate for all accounts.  We primarily use Mutual Funds and Exchange Traded Funds (ETFs).  We typically include small cap funds, international funds, bond funds, etc. designed to meet the precise requirements and risk tolerances of each client.  As a fee-based Registered Investment Advisor, a primary benefit that we offer is to waive ALL front-end loads charged by Mutual Funds, which can be as high as 8.5% of your initial investment.

Just one example of an active asset-allocated account is represented in the following pie chart:

As is the case for the Geneva Financial stock portfolio, the asset allocation portfolio is actively managed.  That is, we evaluate and rebalance your assets. This is done both by reevaluating current holdings, and by staying within guidelines in order to avoid any over-bought or over-sold position.  Still, as for the Geneva Financial stock portfolio, trading is limited to control trading costs.  These are passed along as lower trading fees to you.

Since equity investing is inherently more risky than investing in bonds or fixed income securities, we cannot guarantee success over the averages, or even fixed income securities, during any given time frame.  Equity investments are never fully immune from market risk and tend to decrease when the market falls.