“One of the things that upsets me the most is when new clients come in and show me a portfolio with long-term investment positions that are down 50-60-70%. That tells me right away they were working with an advisor who didn’t really look at their portfolios; who didn’t care about them as individuals. Either that or they believed the mutual funds’ and media’s manta that buy-and-hold is the only way to invest.” Charles E. Falco Jr. (Chuck), President
When you know your clients as individuals and you care about their future, you don’t let the market destroy their dreams without stepping in and saying, “We need to do something different.”That’s where Limerick Financial Group comes in. We believe that protecting your assets is the most important part of investment management. And, when you protect assets, over the long run you have a very good potential to outperform the market.
Imagine two portfolios each with $100,000. One is up 8% the first year, gains 18% the next, but loses 24% in year three. Year four the portfolio gains 6%, but then slips back with a 3% loss in year five. The second portfolio gains 1% each of the five years. Which do you think has the better five-year performance?
Earning 1% compounded annually outperforms the more volatile portfolio by $5,510, ending year five at $105,100. At the end of year five, the first portfolio is under water at $99,586.
While slow and steady won this race, our goal at Limerick Financial Group is to be a bit faster in accumulating gains. We strive to minimize losses in years when the market turns down and equal or outperform the market in good years. This is where Limerick Financial Group’s managed risk investment programs come into play.
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Limerick Financial Group is an Investment Management Firm. We work exclusively on a fee-basis. This approach takes commissions out of the equation and helps ensure that you receive objective advice that fits your particular needs and situation. It also means that we are here for you, and offer ongoing Investment Management expertise for your portfolio.
Our investment management services are personalized. We strive to know our clients and create portfolios that fit who they are and their specific financial situation. We are risk adverse. Our clients don’t like to lose money. Neither do we. At the same time, we believe there are opportunities to profit in every market environment. Our investment approaches actively seek those opportunities.
At Limerick Financial Group, we are not afraid of change. Financial markets are continually changing. Asset classes and investment styles cycle in and out of favor. Economies evolve, new technologies emerge, governments and people make mistakes. A good investment approach needs to be able to change in response to the market. This belief is a critical difference between Limerick Financial Group and traditional investment advisors who create portfolios based on theories developed 50 years ago for a very different financial world.
Learn more about our investment approach:
Request a no-cost, no-obligation financial consultation.
This is not an offer to buy or sell securities. Past performance is no guarantee of future results. You may have a gain or loss when selling an investment. Not FDIC insured. Not bank guaranteed. Always ask for and examine an advisory agreement and disclosure brochure (SEC Form ADV) along with a current prospectus before investing. Limerick Financial Group, LLC does not offer tax or legal advice. Always consult a professional for your specific needs.
