Workbook 1 - Alta Wealth Managment

Find a suitable investment strategy.

Your investment strategy should reflect the kind of investor you are—your personal investor profile. This Free online tool will help you determine your profile and then match it to an investment strategy that’s designed for investors like you.

This online tool measures two key factors:

Your Time Horizon Score

When will you begin withdrawing money from your investment accounts and at what rate? If it’s many years away, there may be more time to weather the market’s inevitable ups and downs and you may be more comfortable with a portfolio that has greater appreciation potential and a higher risk level.

YOUR RISK TOLERANCE

How do you feel about risk? Some investments fluctuate more dramatically in value than others but may have the potential for higher returns. It’s important to select investments that fit within your risk tolerance level.

CREATE YOUR PROFILE

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Your Time
Horizon Score

YOUR RISK
TOLERANCE Score

YOUR TIME HORIZON

I plan to begin withdrawing money from my investments in:

Once I begin withdrawing funds from my investments, I plan to spend all of the funds in:

YOUR RISK TOLERANCE

I would describe my knowledge of investments as:

When I invest my money, I am:

Select the investments you currently own:

Consider this scenario:
Imagine that in the past three months, the overall stock market lost 25% of its value. An individual stock investment you own also lost 25% of its value. What would you do?

Review the chart below.
We’ve outlined the most likely best-case and worst-case annual returns of five hypothetical investment plans. Which range of possible outcomes is most acceptable to you?

Go back to the two previous steps and enter data to show your results.

To determine your Investor Profile, find your Time Horizon Score along the left side and your Risk Tolerance Score across the top. Locate their intersection point, situated in the area that corresponds to your Investor Profile.

This investment strategy shows how investors might allocate their money among investments in various categories. Please note that these examples are not based on market forecasts or any specific recommendation, but simply reflect an established approach to investing—allocating dollars among different investment categories. Keep in mind that it’s important to periodically review your investment strategy to make sure it continues to be consistent with your goals.

Your Sample Investment Strategy Design

Large-Cap Equity

Small-Cap Equity

International Equity

Fixed Income

Cash Investments

SELECT AN INVESTMENT STRATEGY

Conservative
Allocation

For short-term investors who seek current income and stability and are less concerned about growth. Designed to offer lower volatility and very little correlation to the overall equity market.

Moderately
Conservative

For shorter-term investors who seek current income and stability, with modest potential for an increase in the value of their investments via moderate correlation to the overall equity market.

Moderate
Allocation

For long-term inve stors who don’t need currentincome and want some growth potential. Likely to entail some fluctuations in value, but presents less volatility than the overall equity market.

Moderately
Aggressive

For long-term investorswho want good growth potential and don’t need current income. It entails a fair amount of volatility, but not as much as a portfolio invested exclusively in equities

Aggressive
Allocation

For long-term investors who want high growth potential and don’t need current income. May entail substantial year-to-year volatility in value in exchange for potentially high long-term returns.

INVESTMENT ADVISORY SERVICES ARE OFFERED THROUGH IAMS WEALTH MANAGEMENT, AN SEC REGISTERED INVESTMENT ADVISOR. THE FIRM ONLY TRANSACTS BUSINESS IN STATESWHERE IT IS PROPERLY REGISTERED, OR IS EXCLUDED OR EXEMPTED FROM REGISTRATION REQUIREMENTS. SEC REGISTRATION IS NOT AN ENDORSEMENT OF THE FIRM BY THE COMMISSIONAND DOES NOT MEAN THAT THE ADVISOR HAS ATTAINED A SPECIFIC LEVEL OF SKILL OR ABILITY. THE FIRM IS NOT ENGAGED IN THE PRACTICE OF LAW OR ACCOUNTING. CONTENT SHOULD NOT BE VIEWED AS AN OFFER TO BUY OR SELL ANY OF THE SECURITIES MENTIONED OR AS LEGAL OR TAX ADVICE.

GET NEXT STEPS

What are the next steps?

Whether you need help planning for retirement or saving for your child’s education, YOUR objectives are OUR objectives. As an Investment Advisor, it is our fiduciary responsibility to act in your best interest — we are legally bound to put our clients’ interests first. We will take time to understand you and your specific financial situation, striving to meet your needs through a personal relationship and committed pursuit of your investment goals. And we will always make portfolio recommendations that are consistent with your objectives.

Whatever your retirement goals, we are here to help you along the way! Complete the form below or give us a call to get started today.

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