Process Driven Investments

We believe investing is process driven, not product focused, and have developed strategies for a variety of investor types. The universe of investment choices is astounding and narrowing those choices to the right mix can be daunting based on risk tolerance and expectations. Some of the investment vehicles utilized at Core Wealth Advisors include:

Equity Securities (Stocks)

A Stock is a type of investment vehicle that signifies ownership in a corporation and represents a claim on part of that corporation’s assets and earnings. There are two main types: common and preferred.

Fixed Income Securities (Bonds)

A Bond is a fixed income investment in which an investor loans money to an entity (typically corporate or government) which borrows the funds for a defined period of time at a variable or fixed interest rate.

Exchange Traded Funds (ETF)

An Exchange-Traded Fund (ETF), is a marketable security that tracks an index, a commodity, bonds, or a basket of assets like an index fund. Unlike mutual funds, an ETF trades like a common stock on an exchange.

Mutual Funds

A Mutual Fund is a pool of money collected from many investors for the purpose of investing in securities such as stocks, bonds, money market instruments and other assets to maintain stated investment objectives.


Constructing the Right Portfolio For You

As mentioned above, the universe of investment choices is astounding and identifying risk tolerance and time horizon assist in filtering less appropriate investment vehicles for your journey. Based on general market conditions, Core can then include, exclude or replace investments as the landscape warrants. Specific vehicles we believe will meet your objectives in the current and foreseen market conditions are more closely examined with analysis towards sector exposure, track record, tax efficiency, investment liquidity and the internal costs of the investment vehicles. Eventually, we arrive at your Core portfolio.


Concentrated Stock Positions

Retirees who have worked for a single company (Publix Super Markets or Mosaic for example) during their working years, including executives, often accrue company stock through Employee Stock Ownership Plans (ESOPs) creating a concentrated stock position in their retirement accounts. Concentrated stock positions expose the investor to single stock risk exposure and may not be appropriate for the investor during retirement; however, exiting a concentrated stock position to create diversification can be challenging for a number of reasons including tax implications, liquidity and emotional linkages.

The need to balance the emotional desires of the retiree with the logical aspects of investment selection is essential in crafting a path through retirement.