At WT Wealth Management, we believe that your investment portfolio is akin to your DNA: unique, personal, no two alike. Even two people who look startlingly similar have different DNA. The same can hold true for investors: two investors can be the same age and have the same investable assets, income, goals, objectives and time horizons—but they can have vastly different attitudes toward risk and volatility. Their respective portfolios should reflect that difference.

First and foremost, a portfolio should reflect your personal risk tolerance—that is, how much fluctuation you are comfortable seeing in your account before throwing in the towel. Establishing and understanding your personal risk threshold helps us to build the appropriate asset allocation model for you, and you alone. Remaining invested in the financial markets is a critically important determinant of successful investing. Volatility can unnerve even the savviest investors, causing them to abandon their plans and jeopardize their long-term goals.

Your personal portfolio—built just for you—is a key determiner of your investment outcome. That is one reason why we work so hard to understand and establish the right asset allocation—the proper mix of stocks, bonds and other investments—for each of our clients.

While establishing the proper allocations for each client is a critical first step in building a custom portfolio, the real challenge comes later: Will investors stick with the plan when the markets become difficult?

As shown in the chart below, the average mutual fund investor has vastly underperformed the S&P 500. One contributor to this pattern is market timing. Many investors who do not rely on an advisor are driven by emotion, piling into the markets at their highs and selling near their lows. As a result, many investors underperform the markets.







As managers and fiduciaries, we do not manage money for us—we manage it for you. It is our job to generate returns within your personal risk-tolerance range, letting you sleep at night and stay committed to your long-term plan.

At WT Wealth Management, we believe that most commentary on the financial markets is tailored to speculators and traders, not investors. Constant “noise” can contaminate the mind of even the most serious investor with speculative and potentially fearful thinking.

We believe it’s time in the market not market timing that leads to wealth accumulation
©2018  WT Wealth Management. All rights reserved.


WARRANTIES & DISCLAIMERS

There are no warranties implied.
Any opinions expressed on this website are the opinions of WT Wealth Management and its associates only. Material listed on this website is neither an offer to buy or sell securities nor should it be interpreted as personal financial advice. You should always seek out the advice of a qualified investment professional before deciding to invest. Investing in stocks, bonds, mutual funds and ETF’s carry certain specific risks and part or all of your account value can be lost.

At WT Wealth Management we strongly suggest having a personal financial plan in place before making any investment decisions including understanding your personal risk tolerance and having clearly outlined investment objectives.

Disclosure

WT Wealth Management is an SEC registered investment adviser, with in excess of $100 million in assets under management (AUM) with offices in Flagstaff, Scottsdale and Sedona, AZ along with Jackson Hole, WY and Las Vegas, NV. WT Wealth Management is a manager of Separately Managed Accounts (SMAs). With SMAs, performance can vary widely from investor to investor as each portfolio is individually constructed and managed. Asset allocation weightings are determined based on a wide array of economic and market conditions the day the funds are invested. In an SMA, each investor may own individual Exchange Traded Funds (ETFs), individual equities or mutual funds. As the manager we have the freedom and flexibility to tailor the portfolio to address an individual investor's personal risk tolerance and investment objectives – thus making the account “separate” and distinct from all others we manage. An investment with WT Wealth Management is not insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other government agency. Any opinions expressed are the opinions of WT Wealth Management and its associates only. Information offered is neither an offer to buy or sell securities nor should it be interpreted as personal financial advice. Always seek out the advice of a qualified investment professional before deciding to invest. Investing in stocks, bonds, mutual funds and ETFs carries certain specific risks and part or all of an account's value can be lost. In addition to the normal risks associated with investing, narrowly focused investments, investments in smaller companies, sector and/or thematic ETFs and investments in single countries typically exhibit higher volatility. International, Emerging Market and Frontier Market ETFs, mutual funds and individual securities may involve risk of capital loss from unfavorable fluctuations in currency values, from differences in generally accepted accounting principles or from economic or political instability that other nations experience. Individual bonds, bond mutual funds and bond ETFs will typically decrease in value as interest rates rise. A portion of a municipal bond fund's income may be subject to federal or state income taxes or the alternative minimum tax. Capital gains (short and long-term), if any, are subject to capital gains tax. Diversification and asset allocation may not protect against market risk or investment losses. At WT Wealth Management, we strongly suggest having a personal financial plan in place before making any investment decisions including understanding personal risk tolerance, having clearly outlined investment objectives and a clearly defined investment time horizon. WT Wealth Management may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. Individualized responses to persons that involve either the effecting of transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without registration or exemption. WT Wealth Management's website is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of WT Wealth Management's website should not be construed by any consumer and/or prospective client as WT Wealth Management's solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the internet. Any subsequent, direct communication by WT Wealth Management with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. A copy of WT Wealth Management's current written disclosure statement discussing WT Wealth Management's registrations, business operations, services, and fees is available at the SEC's investment adviser public information website (www. adviserinfo.sec.gov) or from WT Wealth Management directly. WT Wealth Management does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to WT Wealth Management's web site or incorporated therein, and takes no responsibility therefor. All such information is provided solely for convenience purposes and all users thereof should be guided accordingly.