618-288-9505 info@carsonallaria.com

INVESTMENT MANAGEMENT

We believe in low-cost, evidence-based, global investment management.

Investment Management Services

Our investment services include portfolios that are carefully designed to help investors improve returns, reduce risk, and achieve their unique financial objectives. We believe in a simple, 4-part investment philosophy that includes keeping costs low, diversifying globally, limiting taxes, and improving investor behavior.

1.) Keeping Costs Low

It’s been proven that investments with lower costs have a track record of providing higher returns. Therefore, we strive to not only offer competitive pricing for our advisory services, but to also recommend investments with low internal costs, including low-cost mutual funds and ETFs.

2.) Diversifying Globally

We believe, and it has been academically proven, that no one can accurately and consistently predict the best performing asset class or sector over a long period of time. We also believe over-concentrating in one sector or asset class can lead to unnecessary risk.

That is why we maintain a healthy level of diversification in all of our model portfolios, which include large cap, small caps, domestic, international, and emerging markets holdings.

3.) Minimizing Taxes

Taxes can result from capital gains and/or dividends, and higher taxes can be likened to higher fees. Higher fees typically mean lower returns.

To reduce the impact of taxes for our clients, we recommend investments with low turnover and implement strategies like tax-loss harvesting to keep taxes to a minimum.

4.) Improving Investor Behavior

We have a strong belief that good investor behavior is the most impactful component of any good, long-term investment outcome.

Part of successful investing involves the discipline to not make any knee-jerk reactions, like selling investments at a loss. We believe another key is to create a plan first and let your plan dictate your investment choices.

As markets fluctuate, it’s important that you’re able to properly evaluate your plan and that you are confident enough to stick to it.

That’s why we spend so much time with clients on building a thorough financial plan and educating on what it takes to be a successful investor.

Step #1: Schedule 15-Minute Phone Call

Additional Investment Management Resources

The Stock Market in an Election Year

The Stock Market in an Election Year

As the 2024 presidential election approaches, many investors are questioning how the stock market will react and what actions they should take with their portfolios. Roughly half of investors are concerned about the possibility of another four years for Joe Biden. The other half is terrified at the..

Should Aging Parents & Adult Children Co-Own Assets?

Should Aging Parents & Adult Children Co-Own Assets?

Taking care of aging parents can be unfamiliar territory for anyone who is put to the task. However, it is something that many in their 50s and 60s are dealing with today. And, part of navigating that unfamiliar territory is trying to find a way to more easily “Mom or Dad’s” financial accounts.

Social Security Benefits: Will I Get Any?

Social Security Benefits: Will I Get Any?

Social Security is facing a crisis as it heads toward insolvency by 2034. If no changes are made, all Americans would face a 20% cut in benefits across the board. However, there are several possible solutions, but time is of the essence. In today’s uncertain economic climate, one question looms large for…

2024 Stock Market Predictions

2024 Stock Market Predictions

What do financial experts say is going to happen in the stock market during 2024 and should we listen? The evidence suggests that despite these institutions spending millions of dollars or more on market research, it is incredibly difficult to predict future short-term market movements. As we step into the unknown territory of….

2023 Stock Market Predictions and Why You Should Ignore Them

2023 Stock Market Predictions and Why You Should Ignore Them

It’s that time of year again…when we see stock market predictions being released by financial institutions, fund managers, financial media personnel, and other financial “experts.” Most of these predictions end up being wildly inaccurate, yet they keep being made, and many keep listening.

Don’t Fear a Recession, but be Prepared

Don’t Fear a Recession, but be Prepared

With the challenges of 2022 still looming, including inflation and the Fed’s trend of aggressive interest rate hikes, some economic “experts” have called for a recession in 2023. However, it’s important to note that although not all recessions start for the same reason, they have all been ended by a common..

Year-End Strategies to Lower Taxes & Optimize Investments

Year-End Strategies to Lower Taxes & Optimize Investments

When a new year is approaching, that means the window for certain opportunities is closing. Taking advantage of a few simple year-end strategies can help save you taxes and increase your bottom line. The year is almost over, and it has certainly been a bumpy one for the financial markets….

Roth Conversions: Good Idea?

Roth Conversions: Good Idea?

Roth conversions are the repositioning of assets in a Traditional IRA or qualified employer sponsored retirement plan to a Roth IRA. This strategy could make sense for investors even as they approach retirement, but it’s important to understand the implications that may arise. We know that taxes are one of life’s inevitables…

Retirement Investing: Is it Different?

Retirement Investing: Is it Different?

Retirement investing isn’t completely different than investing prior to retirement. The same risks and thought patterns should apply. However, the end strategy will likely look different due to expected withdrawals during the retirement phase. It’s no secret that retirement investing can seem more…

5 Bear Market Mistakes to Avoid

5 Bear Market Mistakes to Avoid

Bear markets can make it difficult for investors to stay the course. Stock market volatility and negative headlines give the impression that you should be doing something and poor investor behavior may begin to emerge. Stock market investing can be emotionally challenging in a bear market, especially when combined with a major world….

No client or potential client should assume that any information presented or made available on or through this website should be construed as personalized financial planning or investment advice. Personalized financial planning and investment advice can only be rendered after engagement of the firm for services, execution of the required documentation, and receipt of required disclosures. Please contact the firm for further information.