Risk can mean different things to different people and risk can be measured many different ways. Many of our clients are concerned about risk as it pertains to the loss of capital, purchasing power and the ability to transfer assets to others.
Risk management is the process of protecting your assets from potential loss within a specific risk tolerance or circumstance. This is achieved through the use of proper diversification, hedging and tax planning strategies.
Diversification of a portfolio allows for the potential reduction of many of the risks associated with investing including market risk, credit risk, business or event risk, interest rate risk and inflation risk. Mazza Financial Group helps clients achieve diversification through proper asset class allocation, investment strategy selection and manager oversight and review.
Hedging can be used in many different ways to reduce exposure to potential risks in investing, income replacement and estate transfer. Certain investment strategies and managers may use hedging techniques to reduce their exposure to various risks including the use of cash, short positions or non-correlated investments. Additionally, certain types of insurance can be used to reduce exposure to risks associated with the loss of income, expense management and in the estate transfer process. Understanding these risks and how to evaluate their potential impact on you, your portfolio and your estate are core competencies of Mazza Financial Group.
Managing risk through the use of proper tax planning strategies is critical. Whether it is maximizing your tax deductible contributions, distributing assets from your retirement accounts or your estate, utilizing section 1031 and 1035 tax free exchanges or implementing a tax harvesting strategy, we will provide you with the proper guidance for your situation. We will also work with your legal and tax consultants to help develop strategies that will help you achieve your risk management goals.
Securities offered through Pacific West Securities, Inc.
Member FINRA/SIPC
Advisory Services offered through Pacific West Financial Consultants, Inc.
A Registered Investment Advisor
