wealthpath is an investing strategy that places your interests first.
As an independent Registered Investment Advisor, we don’t have restrictions or conflicts of interest on the investments we offer through wealthpath, unlike some of the other digital platforms available. This enables the M.J. Smith & Associates Investment Committee to evaluate investment options from a long list of the available providers.
Our portfolio design philosophy places our clients’ best interests at the center of our strategy.
Roll over each number to view a component of our philosophy:
Diversification and strategic asset allocation do not ensure a profit or protect against a loss. Past performance is not indicative of future results. Investing always involves risk and you may incur a profit or loss. No investment strategy can guarantee success.
M.J. Smith & Associates portfolio allocation does not depend on a simple measure of risk tolerance. We understand that a person’s capacity to take on risk is just as important as the emotional willingness to take on risk. By considering an investor’s goals, cash flows, existing assets, as well as his or her willingness to absorb risk, we can more closely quantify a client’s true risk tolerance. Our wealthpath consultants will analyze the integration of mortality probabilities with cash flows, savings rates and existing assets, and stress-test them to produce the asset allocation that is right for your situation.
We utilize a
two dimensional risk tolerance approach.