Deckert Financial Management, Inc. specializes in portfolios, suitable for individual investors and fiduciaries of trusts and pension plans.

  A fiduciary portfolio is one which would be considered “prudent” in the eyes of the law. The relative nature of what is prudent can differ between clients. The eighty year old investor who is no longer working and is solely dependant upon his or her assets to live should not be as an aggressive investor, perhaps, as the more youthful investor who has a much longer investment horizon.

  Deckert Financial Management, Inc. our goal is to design your portfolio based on your individual needs, goals, and risk tolerance preferences. Once designed and implemented, that portfolio must be monitered and managed. Given a moving market environment, assets will gain and shrink in value, changing the percentages they represent in a given portfolio. This changing relationship between investments in the portfolio affects the initial risk levels. Fundamental change can occur within the asset itself also causing change in risk for the client. Investment planning itself is a dynamic process. The client’s objectives change over time as income and taxes change, or withdrawels are needed, forcing the need for portfolio adjustments.

  Every client’s portfolio is designed individually and is managed based on an established portfolio Objectives Policy (POP). The POP provides the guidelines to manage the asset class model, monitor risk levels, preclude or ensure certain investments, and establish income requirements. Investment managementis accomplished at the client’s direction and the client cannot abandon their portfolio. It is a partnership between advisor and client, the advisor adhering to the client’s direction and the client heeding the advisor’s guidance. The POP puts this relationship in writing.

  We are here for you long term. While securities are bought and sold daily for our clients, “timing the market” is not practiced. Evidence is convincing that a consistent well-managed, long-term investment program will serve our clients better.