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The SAM Process

Strategic Asset Management (SAM) leverages an extensive consultative process that focuses on understanding and meeting your needs. This goal-oriented process follows a comprehensive, four-step approach.

 
 
  1. Define Your Goals and Objectives
    Together, you and your financial advisor will work to determine your customized financial solution taking into consideration the following:
    • Investment goals
    • Risk tolerance
    • Time horizon
    • Performance expectations
    • Income needs
    • Liquidity requirements
    • Tax considerations
    • Current investments
  2. Determine Your Investment Strategy
    Accessing the expertise of world-class research strategists, your financial advisor will identify the most appropriate investment solution, applying the concepts of:
    • Asset allocation
    • Diversification
    • Risk/reward characteristics of asset classes
    • Correlation between asset classes
  3. Build Your Portfolio
    Next, your financial advisor will begin building a portfolio of investment vehicles designed to meet your specific needs. Security selection includes:
    • Access to over 4,600 well-known no-load, load-waived and institutional mutual funds1
    • Individual stocks and bonds
    • Managed futures
    • A no-load, multi-manager variable annuity
    • Margin
    • UITs
    • Currently held investments
  4. Manage and Monitor Your Portfolio
    Once your investments are in place, the process of monitoring and managing your portfolio begins. This includes:
    • Regular meetings and discussions
    • Active ongoing portfolio reviews
    • Periodic re-examination of your investment strategy
    • Rebalancing decisions
    • Consolidated quarterly performance reports
 

Terms & Conditions

1 Certain no-load mutual funds may incur 12b-1 fees. Your financial advisor can provide you with a prospectus. Read it carefully before investing.
 

Securities, insurance products, asset management, and financial planning and services offered through LPL Financial and its affiliates, are not NCUA/NCUSIF insured, are not credit union guaranteed, and may lose value. Representatives are employees of North Island Credit Union and licensed through LPL. LPL Financial Member FINRA/SIPC. North Island Credit Union CA license #0719223.
 

The LPL Financial registered representatives associated with this site may only discuss and/or transact securities business with residents of the following states: Arkansas, Arizona, California, Colorado, Florida, Hawaii, Indiana, Missouri, New Jersey, New Mexico, Nevada, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Wisconsin.