Financial planning empowers you to see the potential impact of your financial decisions—before you make them.
A
Education Planning
Asset allocation involves distributing an investment portfolio across various asset classes, such as equities, fixed income, and cash equivalents, to mitigate risk and enhance potential returns. This strategy is customized according to the investor's financial objectives, risk appetite, and investment timeline.
B
Diversification
Investment diversification involves distributing investments among different asset classes, sectors, and regions to minimize risk and potentially improve returns by lessening the effects of any one investment's poor performance.
C
Rebalancing
Investment rebalancing involves the regular adjustment of a portfolio's asset distribution to return it to its intended target allocation. This is usually achieved by selling assets that have exceeded performance expectations and purchasing those that have lagged, ensuring a stable risk profile and alignment with investment objectives.
D
Tax-Efficiency
Tax-efficient investing focuses on choosing investment strategies and accounts that lower the taxes you owe on your earnings. By strategically balancing taxable and tax-advantaged accounts, you can decrease your tax liability on investments, ultimately allowing you to retain more capital for growth.
E
Our Philosophy
At Mikhael Paul Wealth Management, our portfolio management philosophy is rooted in discipline, diversification, and purpose. We believe every investment should serve a clear objective—balancing growth and protection—while reflecting the values, goals, and legacy of each client we serve.
Key Questions to Ask About Portfolio Management
Important
How do you choose my investment strategy?
We start by understanding your goals, risk tolerance, and time horizon, then design a personalized investment strategy that aligns with your financial objectives.
How often do you review my portfolio?
Your portfolio is regularly reviewed to ensure it remains balanced and responsive to market movements or changes in your personal circumstances.
How do you manage risk?
We actively manage risk through diversification, thoughtful asset allocation, and continuous monitoring to help protect and grow your wealth over time.