Individuals & Families

Financial Planning & Asset Management

Asset Allocation & Investments

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Establishing and maintaining the appropriate asset allocation is critical to a successful long-term investment strategy. Your Janney Financial Advisor plays an important role in helping you establish a road map that will move you toward your goals.

Our Financial Advisors pride themselves on their ability to actively listen to better understand and assess your financial, family and business needs. Our size makes us approachable and accessible - two attributes that you can feel good about in your decision to work with us. Our investing philosophy is simple: We take a disciplined approach to help ensure you remain on the path toward meeting your goals.

You are a unique individual, with complex goals and needs. In order for someone else to understand those needs, it takes more than an online calculator, a phone conversation or a one-time meeting. It takes an ongoing relationship with a trusted advisor who, over time, can begin to understand the impact of financial decisions on you and your family. As your relationship with your Janney Financial Advisor grows, they will learn about your attitudes, preferences, needs and challenges. He or she will then offer professional investment advice tailored to your specific goals.

Asset Allocation
The key to successful investing is establishing and maintaining the appropriate allocation of assets including stocks, bonds and cash. Your asset allocation is driven by several factors. Your time horizon, the time left until you plan to use your assets, is one critical factor. The other is your personal feeling toward risk, also known as your risk tolerance.

There are so many factors that could influence your risk tolerance including: market volatility, sickness, loss of income, job stability, marriage, the birth of a child, divorce and the loss of a loved one or spouse. A common mistake made by investors is failing to monitor or revisit their asset allocation when a triggering life event occurs.

Your Janney Financial Advisor will work with you to understand the unique factors in your life that could influence your risk tolerance. This will help ensure that the asset allocations employed are appropriate for helping you move toward your goals.

The value that a Janney Financial Advisor can offer is in building a long-term relationship where he or she regularly monitors your risk tolerance and recommends adjustments based on your life situation.

Investment Selection
It’s an overwhelming choice to select from thousands of mutual funds, ETFs, annuities, managed account programs and individual securities. Each of these investment vehicles could be appropriate for your portfolio, but what’s best for your needs? Your Janney Financial Advisor will consider factors including tax efficiency, fees and access to your assets to recommend the appropriate mix of investment vehicles. They’ll also conduct in-depth research to identify investments that will fit into a well-diversified asset allocation plan. Each Financial Advisor is empowered to make investment decisions based on his or her experience and investment philosophy. That’s why it’s important that your thoughts on investing closely match those of your Financial Advisor.

Janney’s mutual fund and investment manager analysis provides your Financial Advisor with recommendations based on style consistency, management tenure, experience and track record. In addition, your Janney Financial Advisor has access to considerable resources, including industry-recognized analysts who cover over 300 publicly-traded companies and research and expertise from our institutional fixed income analysts and bond traders.

Additional Resources
Janney's resources stretch beyond our research capabilities and the knowledge and experience of our Financial Advisors to include CPAs, Certified Financial Planners (CFP^®), attorneys specializing in trusts, estate and tax planning, Fixed Income Specialists, CFAs^®, Research Analysts and Investment Bankers. Your Financial Advisor has access to a team of experts who, together, can support all of your business, personal and family financial needs.

Whether you are working with our experienced professionals or your own legal and accounting resources, your Janney Financial Advisor will become an invaluable quarterback of all your financial assets.

Contact a Janney Financial Advisor to get started.

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