Golden Financial Services, a registered investment advisor, is a private, fee-based financial services firm founded by Craig Krespach, a CPA (Certified Public Accountant) and CFP (Certified Financial Planner practitioner).  We are located in Hampton, New Hampshire (serving Hampton, North Hampton, Rye, Porstmouth, Exeter, and the greater NH Seacoast) and specialize in personalized, comprehensive financial planning and asset management for individuals, trusts, estates, charitable organizations and small businesses.  We offer investment management, retirement, estate and tax planning, and risk analysis, including long-term care protection and life insurance.  Call today to schedule your FREE consultation.      
  Taking time to care for your future.  
 
Wealth Management System
Client Access

» Home
» Message From Craig
» Our Approach
» Services Overview
   - Accumulation
   - Risk Management
   - Taxation
   - Business Planning
   - Retirement Planning
   - Estate Planning
» Founder's Bio
» Our History
» Contact Us

"Chance favors the prepared." - Craig Krespach
 
Services: Accumulation  
   

Accumulation planning addresses an individual's investment needs, asset allocation, and the suitability of different types of securities in light of your goals and risk tolerance.

In today's world, there are common needs and desires people seek to accomplish. To protect their ability to earn and accumulate wealth, many people choose to hold insurance, as well as maintain an emergency fund, to guard against depleting savings that are intended for other goals.

Asset allocation is used to distribute your investable assets among a variety of investment categories. This process will:

  • reduce overall investment risk
  • create more reliable investment forecasts and
  • improve the risk/return tradeoff of your portfolio

Accumulation planning also involves the choice of securities for your investment portfolio. Basic securities are stocks, bonds, and mutual funds. Separately managed accounts, indices, option strategies, short-term assets, and annuities are also used to optimize your portfolio.

Alternative investments may also be an option for the right investor. One of the premier benefits of alternative investments is diversification, resulting from the inclusion of investments that react differently to the markets than more traditional investments. Managed futures, angel investments, commodities, hedge funds, oil and gas, tax shelters, venture capital funds, and real estate are all examples of alternative investments.

Some situations require different expertise than typical stock and bond portfolio implementation. These situations usually pertain to employer-related retirement plans and stock options, margin strategies, and real estate exchanges.

Most investors understand that as risk increases, the potential for return also increases. But there is a point for every individual where the level of risk is not worth the potential return. The goal of asset allocation is to provide you with the risk/return scenario that is most comfortable for you.

[Return to Services Diagram]

 
created by absoluteTHINKING Golden Financial Services disclosure