What does investment strategy mean for your money?

An investment strategy is a set of documented rules for how you invest, why you invest that way and what you do when conditions change.

What should your portfolio be built to accomplish?

The portfolio should be custom-built to fund a target within a time frame. Our professionals start by defining what the money is for & what constraints you have. We generally pin down the below subjects:

• Time horizon
• Planned contributions / withdrawals
• Your comfort level with swings in account value

How do we build an investment strategy?

We build a plan by translating your priorities and account details as well as behavior under stress into followable portfolio rules. The initial meeting leverages specific focus questions about what matters to you & what you already own.

What are the steps after the discovery call?

1. Confirming success metrics & decision rules
2. Reviewing accounts, income items, spending and debt that shape capacity
3. Setting a risk profile in line with the real reactions to downside
4. Choosing the target mix that complies with the target & timeline
5. Selecting cost-aware holdings in parallel to the mix
6. Setting review dates, plus drift triggers

How do asset allocation and portfolio construction work together?

Asset allocation sets the percentage mix across broad groups like stocks and bonds as well as cash. On the other hand, portfolio construction picks the specific holdings that fill the mix at a reasonable cost.

What is portfolio rebalancing and when should it happen?

Portfolio rebalancing signifies returning to the target mix after market moves shift the percentages. Our professionals leverage transparent triggers for the decision not to vary with the mood. The triggers may be outlined as below:

• A drift band around each target
• A calendar check — quarterly or semiannual

What does tax-efficient investing look like in practice?

Tax-efficient investing targets to keep more of the return after taxes by obtaining smart account placement & disciplined trade timing. Our team also checks how investment moves might show up on the return before taking actions. Typical levers are listed as follows:

• Matching asset types to the right account type when possible
• Coordinating gains & losses in order to manage capital gains exposure
• Limiting turnover that has potential to create short-term gains

What does risk management cover in an investment plan?

Risk management is the set of guardrails that protect the target from preventable shocks. The focus is on diversification and liquidity along with concentration limits, all spelled out in writing.

Guardrails we might document are outlined below:

• Maximum position sizes
• A minimum cash level for near-term spending
• Checkpoints that present where returns came from

What do you receive at the end of the engagement?

A documented plan and a repeatable review cycle — not a one-time suggestion. The output is a functional, usable playbook when markets feel noisy. The following outputs can be expected:

• A documented investment strategy summary
• Target allocation & implementation notes
• A review schedule linked with the rebalancing triggers

Ready to work with Dimov Audit?

If you necessitate your investing decisions guided by a documented plan & tax-aware review, contact us to schedule a CFP conversation. Our team is ready to explain what to bring and the next actions to take.

This page covers only investment strategy. If you need other dedicated CFP services, you can check the pages below:

• Comprehensive financial planning
• Retirement planning
• Estate planning coordination
• Overall wealth-management

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