Investment Management
Put your resources to work with a financial
plan and a personal investment policy
They’re your investments. They should be in your best interest.
But the plethora of options and issues in the complicated financial universe can make decisions complex. To achieve your goals, Donna provides strategic investment management services that put your resources to work for you.
In short, Donna sells advice, not products.
As a CPA/PFS and former auditor, independence is the only way Donna does business. That’s why she has no contracts or obligations to any mutual fund company or other financial product provider. That’s why she structured her company, Chaney Financial Services, Inc., as a Registered Investment Advisor (RIA) which holds her to a fiduciary, rather than suitability, standard of customer care.
Find out more about the advantages of this way of doing business.
Learn more about advice fee-only vs. products commission.
Here’s what you can expect when you work with Donna:
Step 1: The Framework
Two key elements make up your investment framework: your financial plan and your investment policy statement.
Financial Plan Your investment plan is based upon the financial plan Donna prepares for you. By this time, she has gotten to know you. She understands your situation, your goals, and how much money you need today and in the future.
Investment Policy Statement Your investment policy statement captures your risk tolerance, preferences and restrictions. For example, you may not want to invest in tobacco stocks or you may prefer environmentally responsible companies. Or, it may be important to you that your investments balance any corporate stock you hold in your 401(k) plan.
Step 2: Investment Management Plan
After your investment policy statement is drafted with Donna’s help, she’ll research the best options for you and present a strategic recommendation for asset allocation and specific investment vehicles. Together, you and Donna will revise the strategy until you’re both satisfied it will help you meet your investment goals and complement your financial plan.
When done, your investment management plan will clearly communicate your current investment situation and Donna’s recommendations. You can choose to implement the plan yourself or have Donna manage the investments on your behalf. No investment decisions will be made without your advance approval because Donna works on a “non-discretionary basis”. That means you’re in charge.
