A Personalized, Active Investment Strategy
You have been investing for a while, steadily building your portfolio. Up to now, your strategy has mostly been to buy and hold. Or maybe you have had a financial advisor, but you have not had much interaction with your advisor or you have been passed from advisor to advisor at a big firm. You are getting closer to retirement and your portfolio has reached a size where you are asking yourself, can I do better?
Most of our clients come to us because they are looking for a more personal, active approach to investment management. Our clients want to optimize and maximize their portfolio growth and protect it from big market downturns too. At Wurz Financial Services, that’s what we do.
We work closely with our clients to develop and implement a robust investment strategy. And we’re committed to putting you and your interests first in all we do. We are fiduciaries who will actively manage your portfolio on a fee-only basis.
Want to learn more about our investment strategies and see if we would be a good fit to work together? Schedule a complimentary Q&A meeting now by clicking the link below.
Our Approach to Portfolio Management
Our approach to portfolio management combines the best of both passive and active investment strategies to achieve better long term results. We believe in diversifying not just at the security or asset class level, but also at the strategy level. We believe that adding active investment strategies to a passive portfolio can potentially both reduce risk and improve long term returns.
Passive Equity Strategy
The efficient market hypothesis is the idea that a stock’s current value reflects all current information. In other words, there is no way to know if one stock is particularly better than another or how a stock will behave in the future without knowing the future. Therefore, stock picking is not likely to be more profitable than owning a diversified mix of stocks. In fact, almost all actively managed mutual funds fail to outperform the market consistently. Based on this idea, our passive equity strategy invests in low cost, passive ETFs representing the global stock market with a tilt towards US large cap growth and small cap value.
Diversified Tactical Strategy
Contrary to EMH (efficient market hypothesis), markets often exhibit periods of sustained positive or negative movement that appears irrational. These trends are caused by the behavioral biases of investors. As equity prices rise, investors buy more, causing equity prices to rise further and even above “rational” prices. Similarly, when equity prices, fall, investors tend to sell, causing prices to keep falling. We call this stock market momentum. Tactical strategies seek to capitalize on these trends by being maximally invested in asset classes with positive momentum and avoiding asset classes with negative momentum. Based on this idea, our diversified tactical strategy is a combination of various research-based, quantitative tactical strategies which seek exposure to asset classes or sectors with strong positive momentum. These strategies will move to defensive assets such as bonds or cash during periods of negative stock market momentum.
Leveraged Long / Short Strategy
Leveraged ETFs and mutual funds allow you to multiply the daily returns of a given index. For example, the mutual fund ULPIX seeks to provide 2x the daily return of the S&P 500. During a sustained rally, this can be an effective way to amplify stock market returns and maximize portfolio performance. Similarly, leveraged inverse funds allow you to profit from declines in a stock market index. For example, the mutual fund URPIX seeks to provide 2x the opposite of the S&P 500’s daily return. Our leveraged long short strategy will use these funds during selective periods of time based on the reading of our proprietary short term stock market indicator. When the indicator is positive, we will use ULPIX. When the indicator is negative, we will shift to URPIX. As a part of a diversified strategy, this allows us to attempt to amplify returns during bull markets and hedge against losses during bear markets.
Ready for Something Better?
Most of our clients come to us because they are looking for a more personal, dynamic approach to investment management. They have been lost in the shuffle at big investment firms. They want a dedicated, personal advisor who will be with them for a long time. And they want someone who will help them navigate the market’s ups and downs. Is that you?
You may have worked with other financial advisors before, too. Many other advisors and investment firms have a passive approach to investments–they allocate your investment funds to a variety of funds or stocks and rarely make any changes. Your money sits there without being truly managed.
At Wurz Financial Services, we’re different.
We are Tactical Money Managers
One of the biggest differences between us and other money managers is that we actively manage your investment portfolio using a series of tactical investment strategies designed to change and adapt to market conditions. Our strategies attempt to harness market gains and avoid market losses.
We believe that avoiding market losses leads to long term out-performance. It is also an important key to retirement success. Major market declines like 2008 can put you at risk of not meeting your retirement goals.
As you approach retirement, protecting your portfolio from bear markets becomes just as important as achieving growth. And that is what our research-based tactical investment strategies are designed to do. Using quantitative data and rules-based decision making, our strategies become more aggressive during bull markets and more defensive during bear markets.
We are Fiduciaries
Another big difference between us and other financial advisors is that we are fiduciaries. We are committed to your best interests at all times. Unlike other financial advisors, we are not paid a commission to sell insurance or investment products. Instead, we are paid directly and only by you–the client. That’s what it means to be a fee-only advisor. That helps eliminate conflicts of interest.
Want to learn more about us or our investment strategies? Schedule your introductory Q&A here.
Our Investment Management Fees
At Wurz Financial Services, we believe in keeping costs low. That’s why we are proud to partner with TD Ameritrade which allows commission free trading on all ETFs (exchange-traded funds) and publicly traded stocks. In the portfolios we manage, we believe in using low-cost, indexed ETFs instead of costly actively managed mutual funds. And our only compensation is our asset management fee which comes directly from you, the client–not a third party.
Our fee structure:
| $0-100,000 | 0.36% per quarter |
| $100,000 – $500,000 | 0.31% per quarter |
| $500,000 – $1,000,000 | 0.26% per quarter |
| Over $1,000,000 | 0.20% per quarter |
We Can Help With Your 401(k)
Is anyone paying attention to your 401(k)? Unfortunately, most 401(k) providers and advisors do not offer any advice on how you should be allocating your 401(k). You are left all on your own.
We can apply our active investment strategies to your existing 401(k) account without having to change jobs or retire or move your money to a new platform. No matter what company you work for, we can help you. To learn more, give us a call at 859-291-9879.
Your Free Portfolio Review
Is your portfolio allocated appropriately for you? Does it have the right balance? Is the risk level right? Is it optimized? We would like to invite you to a free, no-obligation portfolio review. During this review, we will analyze your current asset allocation and investment strategy, and offer specific feedback. Call us now at 859-291-9879. Or click the calendar link below to schedule a meeting with Darren or Travis.