Investing Wisely

Let’s reach your financial goals together.

 When you choose to work with a financial professional, you have something in common with millions of people who have turned to a professional for help in managing their money — a financial goal. Whether it’s saving for a child’s education, building a new house, or planning for retirement, you have a vision of where you want to be. Trusting your investment strategy to the expert advice of an independent financial professional can help you achieve that goal.

Your personal financial professional will work with you to construct a portfolio that is right for you by identifying the four key elements of your financial independence: your investment objectives, your time horizon, your investable assets, and your risk tolerance. When your portfolio has been constructed, your financial professional will work to keep you on course with your goals, advising you of factors, such as market changes and economic developments that may affect your investment decisions. 

By investing in mutual funds, investors gain the expert assistance of professional fund managers. These professionals choose investments that best match the fund’s objective as described in its prospectus. Their investment decisions are based on extensive knowledge and research of market conditions and the financial performance of individual companies and specific securities. Investors should be advised that mutual funds are subject to fees and expenses, including management fees. They can be found in the fund’s prospectus.

A diversified (sector and certain index funds are not diversified) mutual fund may invest in dozens — even hundreds — of different securities. A diversified portfolio helps reduce risk by offsetting losses from some securities with gains in others. The average investor would find it expensive and difficult to construct a portfolio as diversified as that of a mutual fund. Diversifying assets among different types of holdings can help protect your money amid the complexity and uncertainty of the financial markets.

Easy access to your money means you can sell all or part of your investment on any business day at the current market price (which may be more or less than your original investment).

Benefits of compounding
Investors may choose to reinvest their earnings to buy additional shares. Not only do you have the potential to earn money on your initial investment, but you may also earn money on the distributions and interest you’ve accumulated. Compounding may increase the impact of your contributions and can help your money grow faster. 

Shareholder services
Mutual funds offer a variety of services for their investors. These services generally include a toll-free telephone number, 24-hour telephone access to account information and transaction processing, consolidated account statements, shareholder cost basis information, exchanges between funds, and automatic reinvestment of dividend funds. Many fund families also offer extensive investor education and shareholder communications including newsletters, brochures, retirement planning guides, and websites.

Mutual funds involve risk, including the possible loss of principal. The value of mutual funds will fluctuate with market conditions, so that an investor’s share when redeemed may be worth more or less than the original investment. For more complete information, obtain a current prospectus. It should be read carefully before making any investment decisions.

Doug Ketterer

Chief Executive Officer and Founding Partner

The vision and influence to advance an industry. Doug is passionate about the value of personal advice. He believes that customized solutions created by one advisor, working with one client, aren’t just the core of wealth management—but the key to its future. A well-known Wall Street thought leader with over 30 years in the industry, Doug is a sought-after source of ideas that elevate the advisor-client experience. With insight gained as a long-time Morgan Stanley executive, and a clear-eyed commitment to the principles he preaches, Doug is in the right place to lead Atria, its subsidiaries—and the advisors they serve—to a better future.