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The Archer Financial Advisors Network offers five Structured Portfolios for you to choose from with your Accountant or CPA.
Each Structured Portfolio has an asset allocation model based on your personal Risk Tolerance profile. Contact your Accountant or CPA to create your Risk Tolerance profile before choosing a portfolio.
Below is a summary of the five portfolios, in order of most aggressive / highest risk tolerance down to the most conservative / least risk tolerance. (Disclaimer: the graphics and charts shown are for illustrative purposes only and may not actually depict portfolio asset compositions.)
Active Management
We divide portfolio monitoring into two parts. The first part is Reallocating which allows us to make adjustments to portfolios positioning based on the market environment and for fund specific reasons. The second part is Rebalancing which we use to maintain a certain risk profile.
Think of it as the difference between redesigning your house's foundation or architecture versus making minor design changes to the interior of your house.
Reallocating
By monitoring the portfolio on multiple levels we can determine when and if it is appropriate to make changes.
For example, we would reallocate when the structure deviates from the investment strategy, when changes at the fund indicate that performance expectations will fall short, when market conditions shift, when a fund manager leaves, or when there are significant changes within the management company.
After identifying the changes needed we look at all the factors affected by the change: redistribution of assets, which strategies are affected, potential tax implications, and the impact on funds.
Rebalancing
We employ a needs based rebalancing methodology, whereby we assign a target position and deviation threshold for every mutual fund in your portfolio. This governs how far a fund can stray from its target weighting. Thresholds are determined by the percentage of your assets invested in each fund and the volatility of the securities in which each fund invests.
When a fund reaches its predetermined deviation threshold, we immediately evaluate
the account and determine if we need to make adjustments to bring the portfolio back
into alignment. It's similar to quality-
MONITORING
the
market
TRACKING
fund
activity
CORRECTING
for
changes
ADJUSTING
to your
needs
COMMUNICATING
changes
Aggressive
Strives to provide long-
Moderate Aggressive
Strives to provide long-
Moderate
Strives to provide long-
Income & Growth
Strives to provide a balance between income and capital appreciation by investing in a diversified portfolio of carefully selected equity and fixed income mutual funds. For those seeking income and moderate growth potential with some downside risk protection. After you’ve completed your personal Risk Tolerance profile with your Accountant or CPA, ask or contact them and they can provide you with the details on the Aggressive structured portfolio if it matches your Risk Tolerance profile.
Conservative
Strives to provide capital preservation and current income by investing in primarily fixed income mutual funds with some exposure to equity mutual funds. For those who want to preserve capital, minimize risk, and generate current income or who want relatively stable income. After you’ve completed your personal Risk Tolerance profile with your Accountant or CPA, ask or contact them and they can provide you with the details on the Aggressive structured portfolio if it matches your Risk Tolerance profile.
Archer Investment Corporation is a Registered Investment Advisor. The Archer Financial Advisors Network is a dba of Archer Investment Corporation. All client model portfolio accounts are held and maintained at TradePMR, member FINRA/SIPC.
Mutual fund companies impose internal fees and expenses on clients. Such fees are in addition to the 1% (negotiable) advisory fee associated with the management of the model portfolios described in this web site. Complete details of such internal expenses are specified and disclosed in each mutual fund company prospectus. Complete details of advisory services and fees associated with the model portfolios are described in the Archer Investment Corporation's ADV Part II and Schedule F. Clients are strongly advised to review these disclosure documents prior to purchasing any investments or services.
Archer Investment Corporation is also the investment advisor to The Archer Balanced Fund which is included in most Archer Financial Advisor network model portfolios. In such portfolios, Archer Investment Corporation ears an advisory fee at the fund level as well as an advisory fee for managing the model portfolios.
Clients may purchase shares of mutual funds directly from the mutual fund issuer, its principal underwriter or a distributor without purchasing the services of the Archer Financial Advisor Network or paying the advisory fee on such shares (but subject to any applicable sales charges). Certain mutual funds are offered to the public without a sales charge. In the case of mutual funds offered with a sales charge, the prevailing sales charge (as described in the mutual fund prospectus) may be more or less than the applicable advisory fee. However, clients would not receive the Archer Financial Advisor Network's assistance in developing an investment strategy, selecting securities, monitoring performance of the account, and making changes as necessary.
You should carefully consider the investment objectives, potential risks, management
fees, and charges and expenses of any mutual fund before investing. A fund's prospectus
contains this and other information about the fund, and should be read carefully
before investing. You may obtain a current copy of any of the fund's prospectuses
contained in the Archer Financial Advisor Network model portfolios by calling 800-
Past performance does not guarantee future results. The investment return and principal value of an investment will fluctuate so that an investor's shares, when redeemed, may be worth more or less than their original cost. Performance of the model portfolios may vary depending upon when they are rebalanced and when initial purchases are made.
Archer Investment Corporation
9000 Keystone Crossing, Suite 630 -
www.archerfan.com
800-