Limerick Financial Group Investment Services
The 1990s were the best of times and the worst of times for investors. It was hard to make a bad investment. Everything was going north and everyone was making money no matter what they did. But in the process, too many investment advisors, too many money managers and too many investors failed to put a good risk management program in place. The 1990s lulled investors into really believing it was different this time.
The damage of the next ten years didn’t have to happen. At Limerick Financial Group, we are dedicated to make certain it doesn’t happen to our clients. Our goal is not only to make money in the good times, but to minimize losses when markets fall. Risk management is essential to a sound investment program, but its importance cannot be overstated when you are retired.
At Limerick Investment Group, we offer four basic investment strategies that, through allocation, can be adapted to a wide range of risk and return objectives.
(1) The LFG Bond Model - This strategy invests in bonds and bond mutual funds. Our primary objective is to capture interest and dividend income. But we are also looking for appreciation opportunities that different bond classes will present in different market environments.
(2) LFG Equity Appreciation Model – This strategy utilizes an equity portfolio, holding only equity mutual funds and exchange traded funds both growth and value, domestic and abroad. Where appropriate investment vehicles exist, we may be long or short. Here again, our allocations are not static but opportunistic. We seek to be invested in asset classes that have the greatest perceived opportunities for appreciation based on our technical indicators. There may be times when we don’t see opportunities for appreciation. That’s when risk management comes into play and portfolios are moved to the sidelines to wait for the next opportunity.
(3) LFG Sector Rotation – This approach rotates through various sectors of economy at different stages of the market cycle to capitalize on the tendency for different industry sectors to excel under different market and economic conditions.
(4) LFG Leveraged Index Timing – Our most aggressive strategy, this investment approach utilizes long and short index funds, both abroad and domestic, that offer a two-beta (two times) leverage. The strategy is invested only when we believe an identifiable trend is underway. When market conditions are too volatile and our indicators do not provide definitive buy or sell signals, it will maintain a market neutral position.
Following our philosophy that good financial decisions don't have to be confusing, we work with clients to develop an allocation of their portfolio within these four investment approaches. This allows clients tremendous flexibility in shaping a portfolio that best suits their financial position, risk tolerance and personality.
All client portfolios are held in the client’s name at a national, independent custodian with online access and liquidity. At no time does Limerick Financial Group have access to client funds. Our authority is limited to the discretionary ability to direct how your funds are invested within your portfolio.
Limerick Financial Group’s services are compensated through an annual management fee, billed quarterly in advance, based on the value of the client’s account. This fee-based approach insures that our incentive is aligned with that of our clients – to protect and grow the client’s portfolio.
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