Our approach to Investment Management

Reveal Your Unique Financial Personality

HA&W Wealth employs behavioural testing to assess each client's financial personality with precision. We identify the traits that describe how you perceive, react to and handle financial decisions. Together, these traits form a high-resolution picture of who you are and how you relate to your wealth.

Develop a portfolio structure that reflects your financial personality

Our novel investment portfolio structure segregates investments by their objectives and time horizons. The resulting portfolio improves your ability to manage all aspects of your wealth, while minimizing your effort.

Using the insights from your financial personality, we also recommend a tailored blend of investment styles that suits your objectives and personality. We create an investment strategy that aims to provide short-term comfort and long-term achievement. At the same time, it ensures that you are positioned for the best possible return given your risk tolerance.

Use advanced investment technology throughout

We are committed to using the asset management industry’s most sophisticated tools and techniques to develop and implement a range of investment styles that is appropriate for your financial personality. We use these techniques in every stage of the process, from financial profiling and portfolio construction to investment selection. We also apply these techniques to strategy and portfolio blending, investment research and risk management. *

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Achieving Your Optimal Asset Allocation

HA&W Wealth’s process for achieving the proper asset allocation for your portfolio begins with an assessment of your age, wealth, life circumstances and retirement plans. These factors are reviewed with you at least annually, so we can ascertain whether some change in direction is appropriate.

Our goal is to optimize your portfolio's yield-risk profile, while making sure you have adequate liquid wealth to fund your lifestyle and financial commitments. Balancing yield and risk has never been a simple task, but it has become more difficult recently due to market forces including a prolonged low-interest rate environment, global investing and program trading. One result is that traditional portfolio diversification models sometimes require adjustments to achieve an acceptable level of portfolio risk. Your HA&W Wealth advisor is more than happy to explain diversification strategies, or discuss particular investment opportunities or asset classes at the time of your asset allocation review.

Risk Tolerance

Closely related to your portfolio asset allocation is your tolerance for financial risk. We assess your risk tolerance at the time of our initial interview with you. A person’s risk tolerance may change over time for a variety of reasons. A life event like divorce or death of a family member often acts as the catalyst. If your appetite for financial risk has changed recently, we encourage you to contact your HA&W Wealth advisor.

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Asset Management: Maximizing Your Investment Options

We offer access to a wide range of money managers and funds across all asset classes and styles of investment.

We create a customized portfolio based on your investment personality and goals.

Risk Management

We develop an asset allocation plan based on your risk tolerance.

We help you determine diversification solutions for single stock concentrations.

Tax Sensitivity

We help you select from a wide variety of investment options and work to harvest tax gains and losses that may help reduce your tax liability.

Maintaining Liquidity

We offer a full array of checking and savings options.

We provide custom loans that are secured by the value of your home, or other assets.

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