Focused on Your Personal and Retirement Accounts

Our approach to investment management serves as the foundation for many of our other services, focused on personal touch and data-driven decision making. FSB Wealth Management’s Investment Philosophy is fundamental to our investment management process.

FSB Wealth Management’s Investment Philosophy

• Risk and return are correlated
• Strategic asset allocation drives long-term performance
• We will not take risks that we cannot manage
• Money is emotional, emotion can create bias/traps, and discipline is critical
• Large asset classes are generally “market efficient”

FSB Wealth Management’s Investment Process

• Identify portfolio objectives
• Determine constraints
• Develop strategic asset allocation
• Selection and implementation of investments
• Ongoing monitoring

We combine our understanding of your personal financial situation with our years of research, data and financial discipline to determine the optimal portfolio asset allocation. To ensure you are comfortable with the risk associated with the portfolio, we will provide you with a risk and reward analysis to help you understand the projected risk and returns of the recommended asset allocation.

Be assured, our investment management process continues after your account is fully invested. Your account is continuously monitored and rebalanced as needed. If your personal financial situation changes, we will adjust your individual investments as necessary.

Wealth Management Professionals

NO BANK GUARANTEE | NOT A DEPOSIT | NOT FDIC INSURED | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY | MAY LOSE VALUE