| Investment Management and Financial Planning |
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Investment Management
Cathy Pareto and Associates provides ongoing investment management
services as well as investment consultation.
Charles Schwab & Co., Inc. has been selected by Cathy Pareto and
Associates as the primary custodian for our clients assets. Having Charles
Schwab as custodian for client assets allows us access to comprehensive
services to help us serve our clients.
We never take custody of client assets, nor do we have full power of attorney
over our client's accounts, instead we have a limited power of attorney to trade
and make client approved changes. We serve as a fiduciary advisor on every
client account, meaning we will always do what is in the best interest of the
client. For more on why this is important, read our blog entry.
Using Charles Schwab & Co., Inc as primary custodian, Cathy Pareto and
Associates has access to a wide range of products and support to help
investors reach their financial goals, including:
• Full range of investment strategies and trading services
• Wealth management services
• Technology and service support
• Safeguards designed to protect assets
• Strict ethical business practices
We do not sell product, nor do we receive any type of compensation from any
firm, including Charles Schwab & Co., Inc. This relationship simply allows us
to track your investment accounts on a daily basis and provides you with
increased privacy and security.
Our Approach
Our primary goal as your investment Advisor is to select investments that will
maximize your expected return with the least amount of risk. In making the
investment selections in your portfolio we take into consideration your risk
tolerance, tax sensitivity, investment horizon, investment costs, cash
withdrawals from your portfolio, and other individual factors.
We strive to achieve principal preservation, capital enhancement and
inflation protection for our client portfolios.
Investment Selection
We do not believe that anyone can consistently outsmart the market.
This belief is backed by research that suggests that market timing only
accounts for 2% of a portfolio's returns.
Because of this, our portfolios are designed for long term investors. This
however, does not imply that your portfolio will remain static. Economic
conditions and other special circumstances may warrant a modification of
your portfolio and more nimble approaches to your asset allocation. We
endorse a "buy and monitor" approach. In these events your Advisor will
contact you to discuss a new strategy or investment opportunity.
We employ the use of no-load funds and ETF's (meaning, no sales
commissions to the advisor). Our search criteria factors things like fund
costs, tax sensitivity (where appropriate), number of stock or bond holdings,
fund construction and fundamental analysis, industry exposure, volatility, and
more.
Read more on our Investment Philosophy
Read Are You Investing or Speculating? Your Answer May Be Detrimental to
Your Future Wealth
Asset Allocation
94% of a portfolio's return can be traced back to the asset allocation or
investment policy statement. Depending on your individual goals, risk
tolerance and other factors, your portfolio may consist of equities, bonds,
cash, and alternative asset classes.
Read Understanding the Benefits of Asset Allocation
Reports and Other Services
Aside from the ongoing review and monitoring of your investments, Cathy
Pareto And Associates provides you with:
Your Personal Financial Helpline
We do more than just create financial plans or invest your assets, we
help you make better financial decisions. When you have questions related to
insurance needs, buying versus leasing, saving, buying a home, investing,
retirement or other, you can call us. We serve as your sounding board to help
you make informed decisions that will impact your financial future. That's what
makes our Advisors different. It's like having your own personal financial
helpline.
We want to be there for you every step of the way to help you navigate
the often complex life changes that will affect your financial future.
Fees
For ongoing investment management services Cathy Pareto and Associates
charges the following tiered schedule of fees. Fees are deducted quarterly
directly from the account.
Minimum Account Size: $300,000
Portfolio Size: Annual % Fee:
First $750,000 1.00%
Balance between $750,001 -$2,000,000 0.75%
Balance between $2,000,001 and $5,000,000 0.50%
Balance above $5,000,000 0.25%
Fees can be negotiated based on specific criteria (i.e.anticipated future
additional assets, dollar amount of assets to be managed, related accounts,
etc.)
Please take a moment to review our Code of Ethics and Disclosure Statement.
Read more information about services for
Individual Investors
Retirement Planning
Families
Cathy Pareto and Associates provides ongoing investment management
services as well as investment consultation.
Charles Schwab & Co., Inc. has been selected by Cathy Pareto and
Associates as the primary custodian for our clients assets. Having Charles
Schwab as custodian for client assets allows us access to comprehensive
services to help us serve our clients.
We never take custody of client assets, nor do we have full power of attorney
over our client's accounts, instead we have a limited power of attorney to trade
and make client approved changes. We serve as a fiduciary advisor on every
client account, meaning we will always do what is in the best interest of the
client. For more on why this is important, read our blog entry.
Using Charles Schwab & Co., Inc as primary custodian, Cathy Pareto and
Associates has access to a wide range of products and support to help
investors reach their financial goals, including:
• Full range of investment strategies and trading services
• Wealth management services
• Technology and service support
• Safeguards designed to protect assets
• Strict ethical business practices
We do not sell product, nor do we receive any type of compensation from any
firm, including Charles Schwab & Co., Inc. This relationship simply allows us
to track your investment accounts on a daily basis and provides you with
increased privacy and security.
Our Approach
Our primary goal as your investment Advisor is to select investments that will
maximize your expected return with the least amount of risk. In making the
investment selections in your portfolio we take into consideration your risk
tolerance, tax sensitivity, investment horizon, investment costs, cash
withdrawals from your portfolio, and other individual factors.
We strive to achieve principal preservation, capital enhancement and
inflation protection for our client portfolios.
Investment Selection
We do not believe that anyone can consistently outsmart the market.
This belief is backed by research that suggests that market timing only
accounts for 2% of a portfolio's returns.
Because of this, our portfolios are designed for long term investors. This
however, does not imply that your portfolio will remain static. Economic
conditions and other special circumstances may warrant a modification of
your portfolio and more nimble approaches to your asset allocation. We
endorse a "buy and monitor" approach. In these events your Advisor will
contact you to discuss a new strategy or investment opportunity.
We employ the use of no-load funds and ETF's (meaning, no sales
commissions to the advisor). Our search criteria factors things like fund
costs, tax sensitivity (where appropriate), number of stock or bond holdings,
fund construction and fundamental analysis, industry exposure, volatility, and
more.
Read more on our Investment Philosophy
Read Are You Investing or Speculating? Your Answer May Be Detrimental to
Your Future Wealth
Asset Allocation
94% of a portfolio's return can be traced back to the asset allocation or
investment policy statement. Depending on your individual goals, risk
tolerance and other factors, your portfolio may consist of equities, bonds,
cash, and alternative asset classes.
Read Understanding the Benefits of Asset Allocation
Reports and Other Services
Aside from the ongoing review and monitoring of your investments, Cathy
Pareto And Associates provides you with:
- Monthly Market Updates
- Quarterly Performance Reports (Time Weighted and IRR)
- Quarterly Account Holdings Reports
- Ongoing Useful Reminders to Help You Stay on Track
- End of Year Tax Loss Harvesting
- Account Rebalancing
- Ongoing Account Reviews
- Financial Planning Guidance
Your Personal Financial Helpline
We do more than just create financial plans or invest your assets, we
help you make better financial decisions. When you have questions related to
insurance needs, buying versus leasing, saving, buying a home, investing,
retirement or other, you can call us. We serve as your sounding board to help
you make informed decisions that will impact your financial future. That's what
makes our Advisors different. It's like having your own personal financial
helpline.
We want to be there for you every step of the way to help you navigate
the often complex life changes that will affect your financial future.
Fees
For ongoing investment management services Cathy Pareto and Associates
charges the following tiered schedule of fees. Fees are deducted quarterly
directly from the account.
Minimum Account Size: $300,000
Portfolio Size: Annual % Fee:
First $750,000 1.00%
Balance between $750,001 -$2,000,000 0.75%
Balance between $2,000,001 and $5,000,000 0.50%
Balance above $5,000,000 0.25%
Fees can be negotiated based on specific criteria (i.e.anticipated future
additional assets, dollar amount of assets to be managed, related accounts,
etc.)
Please take a moment to review our Code of Ethics and Disclosure Statement.
Read more information about services for
Individual Investors
Retirement Planning
Families
A More Personal Approach
Our goal is to develop long lasting relationships
with you and your family so we can help you meet
your long term financial goals. This is important
because it allows us to understand your individual
situation, make recommendations, and
adjustments as your needs change. We know that
our client's lives are constantly changing, whether
it's a new job, retirement, a new home or other life
changing event, your portfolio and your financial
plan should reflect these changes.
We want to be there for you every step of the way
to help you navigate the often complex life
changes that will affect your future.
Experience The Difference
When you work with Cathy Pareto and Associates
you will experience the difference it makes to have
a knowledgeable Advisor who is truly your
financial partner. We not only help you with your
investments, we help you stay on target so you
can live your life with peace of mind.
How Do You Select a
Financial Advisor?
We understand that searching for a financial
advisor can be a daunting and often intimidating
task. Here are some great tips on how best to
evaluate your future financial advisor. We hope
we can provide you some guidance as you search
for the best solution, and that during your quest,
you might consider us as your trusted advisor.
The following guides were produced by the
National Association of Personal Financial
Advisors (NAPFA). An independent organization.
Our goal is to develop long lasting relationships
with you and your family so we can help you meet
your long term financial goals. This is important
because it allows us to understand your individual
situation, make recommendations, and
adjustments as your needs change. We know that
our client's lives are constantly changing, whether
it's a new job, retirement, a new home or other life
changing event, your portfolio and your financial
plan should reflect these changes.
We want to be there for you every step of the way
to help you navigate the often complex life
changes that will affect your future.
Experience The Difference
When you work with Cathy Pareto and Associates
you will experience the difference it makes to have
a knowledgeable Advisor who is truly your
financial partner. We not only help you with your
investments, we help you stay on target so you
can live your life with peace of mind.
How Do You Select a
Financial Advisor?
We understand that searching for a financial
advisor can be a daunting and often intimidating
task. Here are some great tips on how best to
evaluate your future financial advisor. We hope
we can provide you some guidance as you search
for the best solution, and that during your quest,
you might consider us as your trusted advisor.
The following guides were produced by the
National Association of Personal Financial
Advisors (NAPFA). An independent organization.
Let's Talk
We invite you to schedule a meeting or
conference call with us for a review of your
financial situation. Call us today at
305-728-7234 or fill out our
contact form so that we may call you.
We are a Miami, Florida based financial
planning and investment firm, but serve clients
around the country.
We invite you to schedule a meeting or
conference call with us for a review of your
financial situation. Call us today at
305-728-7234 or fill out our
contact form so that we may call you.
We are a Miami, Florida based financial
planning and investment firm, but serve clients
around the country.
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