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Investment Management
Cathy Pareto and Associates provides ongoing investment management
services as well as investment consultation.
All portfolios and investments are held at a third party custodian, Charles
Schwab & Co, Inc., where we only have a limited power of attorney to trade
and make client approved changes. We never take custody of client
assets, nor do we have full power of attorney over our client's accounts.
We do not receive any type of compensation from Charles Schwab & Co.,
as a result of your account being held on their platform. This relationship
simply allows us to track your investment accounts on a daily basis and
provides you with increased privacy and security.
Read Investing in More Objective Advice - A Guide to Working With an
Independent Registered Investment Advisor to find out exactly how we
work with you and Charles Schwab & Co.
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.
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 mean that your portfolio will remain static. Economic
conditions and other special circumstances may call for a redesign of
your portfolio. In these events your Advisor will contact you to discuss a
new strategy or investment opportunity.
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.
Portfolio Size: Annual % Fee:
$150,000 -$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%
* Clients with portfolios below $150,000 will be billed at an annual flat
rate of 1.25%.
Fees can be negotiated based on specific criteria (i.e. anticipated future
additional assets, dollar amount of assets to be managed, related
accounts, etc.)
Read more on our Investment Philosophy
Read Charles Schwab and Company's Why It May Be Time To Consider
An Independent Financial Advisor
Read more information about services for
Individual Investors
Small Business Owners
Retirement Planning
Families
Cathy Pareto and Associates provides ongoing investment management
services as well as investment consultation.
All portfolios and investments are held at a third party custodian, Charles
Schwab & Co, Inc., where we only have a limited power of attorney to trade
and make client approved changes. We never take custody of client
assets, nor do we have full power of attorney over our client's accounts.
We do not receive any type of compensation from Charles Schwab & Co.,
as a result of your account being held on their platform. This relationship
simply allows us to track your investment accounts on a daily basis and
provides you with increased privacy and security.
Read Investing in More Objective Advice - A Guide to Working With an
Independent Registered Investment Advisor to find out exactly how we
work with you and Charles Schwab & Co.
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.
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 mean that your portfolio will remain static. Economic
conditions and other special circumstances may call for a redesign of
your portfolio. In these events your Advisor will contact you to discuss a
new strategy or investment opportunity.
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.
Portfolio Size: Annual % Fee:
$150,000 -$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%
* Clients with portfolios below $150,000 will be billed at an annual flat
rate of 1.25%.
Fees can be negotiated based on specific criteria (i.e. anticipated future
additional assets, dollar amount of assets to be managed, related
accounts, etc.)
Read more on our Investment Philosophy
Read Charles Schwab and Company's Why It May Be Time To Consider
An Independent Financial Advisor
Read more information about services for
Individual Investors
Small Business Owners
Retirement Planning
Families
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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 with us
for a complimentary review of your financial
situation. Call us today at 305-728-7234 or fill
out our contact form so we can call you.
We invite you to schedule a meeting with us
for a complimentary review of your financial
situation. Call us today at 305-728-7234 or fill
out our contact form so we can call you.