Investment Management

INVESTMENT MANAGEMENT

Investment management is more than just buying or selling financial assets. It also includes handling your wealth with the goal of preserving and growing it. Investment management, also known as portfolio management, can help you meet your financial objectives, such as saving for retirement.

At Bjork Asset Management, we strive to make investment management simple. Our process leverages 20+ years of institutional retirement investing experience and applies the same framework to your individual needs. Our goals and risk-based methodology helps educate you as an investor to make confident and fearless decisions with your hard earned wealth.

WHAT'S YOUR RISK NUMBER?

Invest fearlessly with customized portfolio analysis and personalized Risk Number. This will help you better understand your investments by analyzing your portfolio and determining how it aligns with your Risk Number.

What's Your Risk Number?

INVESTMENT MANAGEMENT CONSIDERATIONS

There are many things to consider when making investment decisions. We can help you optimize your portfolio and select the investment plans and funds using your financial situation and goals as a guideline. Managing your investments is a high-value personalized service, because we have to understand your unique situation to make the best decisions for your portfolio.

Your risk tolerance level is an important consideration for investment management. The composition of your portfolio changes as assets appreciate in value. It’s our job to keep your portfolio balanced to make sure we’re still inside your optimal risk tolerance window. As you get closer to retirement, we may recommend different investments to preserve your wealth.

TYPES OF INVESTMENT VEHICLES

There are different options for investing in your financial future. Our financial advisors can help you select the investment vehicles that are best for your situation. Our recommendations will differ, depending on if you’re interested in saving for retirement or if you’re investing for the short term. Here are some examples of investment vehicles we typically leverage:

Pension plans
403(b) and 401(k) plans
IRAs
Roth retirement accounts
Private investment accounts
Stocks, bonds, mutual funds, options, and more

Most people should have a mix of different investment vehicles to meet short- and long-term investment goals. Retirement accounts are a great option for reducing your tax burden while saving for the future, but you can’t withdraw any funds until you’re age 59 ½ or older. No matter which type of investment accounts you have, it’s also important to mitigate risk.

MITIGATING INVESTMENT RISK

There are no risk-free investments. Even keeping your money in a savings account is risky, because your interest rate on savings doesn’t even out-earn inflation. This means the money in your savings account loses buying power every year.

Long-term investments in stocks and bonds are one of the most suitable ways to build wealth. To mitigate investment risk, our investment planners choose the most appropriate investment vehicles for you. We use diversification strategies to reduce your reliance on one company or industry. We also balance your portfolio and analyze your investments to work towards the goal of increasing performance.

_{There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.}

FREQUENTLY ASKED QUESTIONS

What Is Tax-Efficient Investing?
Since taxes are your biggest financial burden, your financial planning process must include taxation. When you contribute to your retirement funds, you can set up tax-deferred accounts that reduce your taxable income for the current year. You can also use Roth accounts to receive tax-free distributions in retirement. Both options allow you to save money on taxes, whereas investing in a private investment account will not.

What Is Socially Responsible Investing?
In a capitalist society, citizens vote with their money. Investing in socially responsible businesses can be a great way to build your retirement savings while supporting companies that care about the environment and their community. We use your investment criteria to ensure your portfolio reflects your values.

How Can I Mitigate Investment Risks?
To mitigate investment risk, we recommend keeping your portfolio diversified. As your investment managers, we regularly review and balance the assets in your investment accounts, keeping them within your risk tolerance window. We also analyze the performance of those assets and take action accordingly.

IT'S TIME TO INVEST IN YOUR FUTURE

It’s time to plan for your future. You don’t have to figure out this investment process alone. In fact, working with a professional can help you work towards achieving optimal results. We can help you review your investment strategy to make sure you’re on track towards achieving your goals. Schedule a consultation with our team at Bjork Asset Management today and take charge of your financial future.

Does This Sound Like Something That Fits Your Needs?

Let’s schedule a meeting to discuss your needs.

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