Investment Philosophy

OUR SIX PRINCIPLES OF INVESTING

Here at Chladek Wealth Management, our sole focus is on helping our clients achieve the highest possible degree of investment success. Our six principles of investing guide the decisions we make each day.

1. MANAGING RISK IS MORE IMPORTANT THAN GENERATING RETURNS
You worked hard for what you have and we take our responsibility to protect wealth seriously. While we can’t guarantee that our clients will never experience a loss, we can guarantee that we’ll focus every ounce of energy we have on making sure their investment strategy includes dynamic risk-management aimed at combating the effects of financial, market-related, and economic reversals.

2. IMPROVE NET-RETURN BY MINIMIZING FEES AND MANAGING FOR TAX EFFICIENCY
At the end of the day, it’s what is left in your pocket that matters. Sadly, many investors only look at total return, and fail to consider the cost of fees and taxation. Here at Chladek Wealth Management, we believe no investment strategy is adequate if it doesn’t focus on the bottom line. Contact us for a no-cost, no-obligation tax and fee analysis of your portfolio.

3. LEVERAGE MULTIPLE CATEGORIES OF INVESTMENTS RATHER THAN A FEW
Having all your wealth tied up with one type of investment, such as stocks, can be extremely risky. Here at Chladek Wealth Management, we believe that a well-rounded portfolio should include many different investments spread across multiple asset classes and regions of the globe.

4. MAINTAIN DISCIPLINE, THINK LONG-TERM, AND AVOID FADS
We know your friends and neighbors have “hot stock” tips to share. We know the ups and downs of the markets can make you woozy. We know it’s hard to tune out the noise. At Chladek Wealth Management, we help you maintain a solid footing by educating you about the most suitable long-term investments for you, and by teaching you how to distinguish real opportunities from dangerous fads.

5. REASONABLE, MEASURABLE, AND ATTAINABLE GOALS MUST BE DEFINED BEFORE INVESTING
Investing money without first defining clear objectives is like boarding an airplane without knowing the destination – risky at best, and dangerous at worst. At Chladek Wealth Management, we ensure every investment decision made in accordance with your needs and goals.

6. INVESTMENT STRATEGIES MUST BE PERSONALIZED
No single investment is right for everyone. For an investment to be right for you, it must be designed to meet your unique objectives and be within your personal tolerance for risk. After all, if an investment doesn’t help meet your goals, or keeps you up at night with worry, is it really right for you?

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We provide fee-only advice, and do not accept product commissions or receive benefits from outside companies. Thus, we always put the needs of the client first.