Investment Approach

WE BELIEVE asset allocation strategies should be established to meet the individual needs of each investor based on their time horizon, risk tolerance and retirement goals.


Expected Risk is calculated based on the portfolio's Riskalyze Risk Score. The Risk Score is based on the volatility of the portfolio holdings and can range from 0 to 100, 0 being no risk and 100 being the riskiest.

The Strategic Core, Tactical Sectors & Themes, and Culturally Significant Equity strategies are rarely implemented in isolation. More commonly, an investor is allocated between the 3 strategies to create a portfolio that is unique to them; based on their investment goals, personal risk tolerance, investment time horizon, and a variety of other personalized factors.

Investment Philosophy

WE BELIEVE diversification is the key to successful long-term investing.
PERIODIC TABLE OF INVESTMENT RETURNS

WE BELIEVE that investment returns should be delivered in a low cost environment.
THE "REAL" COSTS OF MANAGEMENT FEES

WE BELIEVE that limiting a portfolio's downside is as important as maximizing its upside.
WHY MINIMIZING LOSSES MATTERS

WE BELIEVE it is time in the market, not market timing, that leads to wealth accumulation.
TIME IN THE MARKET, NOT MARKET TIMING

We believe in a long-term investing approach where clients are properly invested through full market cycles.
ECONOMIC CYCLES

WE BELIEVE that understanding human emotions makes us better advisors.
CYCLE OF MARKET EMOTIONS

WE BELIEVE that ETFs are an important part of every investor's portfolio.
Why ETF's

In recent years, active managers have dramatically under-performed their benchmarks. In fact, a recent study from S&P reported that, in 2015, 66.11% of large-cap managers, 56.81% of mid-cap managers, and 72.2% of small-cap managers underperformed the S&P 500, the S&P MidCap 400®, and the S&P SmallCap 600®, respectively. The figures are equally unfavorable when viewed over longer-term investment horizons. So the million-dollar question is: Why compensate mutual fund managers—handsomely, in some cases—if they cannot even match their benchmark, never mind beat it? The answer is don't compensate them!

Exchange-traded funds (ETFs), in their most basic form, replicate an index like the S&P 500, or some other collection of equity’s or asset groupings—and at a very low cost. The typical internal cost can be a fraction of what a typical mutual fund manager would charge.

At WT Wealth Management, we believe that ETFs are an important part of every investor's portfolio. Studies have shown that most of an investor's returns result from asset-allocation decisions, not individual security selection or perfectly timing the markets. With that in mind, (ETFs) offer precise, efficient, ‘style-drift'-free exposure to a wide variety of asset classes that are essential to the construction of a broadly diversified portfolio. Furthermore ETFs are very reasonably priced and trade in real-time. ETFs are also much more flexible than mutual funds when it comes to managing tax implications and tax burdens on an investor's portfolio.

When compared to actively managed mutual funds, the benefits of using ETFs to build asset allocation models include:

  • No risk of portfolio manager under-performance
  • No risk of portfolio manager turnover
  • Minimized risk of overlapping holdings
  • Pure asset class exposure
  • No Style-Drift
  • No cash drag
  • Lower Internal expenses
  • Instant liquidity
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.

View 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, Sedona and Tucson, 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.

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