Investments

Investments

• Mutual Funds
  Mutual funds enable investors to participate in the risks and rewards of publicly traded companies worldwide by pooling together the investment dollars of all the funds’ shareholders for the purchase of securities. Mutual funds allow investors to manage risk through diversification and to benefit from the expertise of professional money managers. As our client, you will have access to all non-proprietary fund families.
• Stocks (Corporate Equities)
• Fixed Income (Bonds, CDs, Structured Products)
• Tax-Exempt Municipal Bonds
• Annuities (Variable, Immediate, Fixed, and Fixed Index)
• Exchange Traded Funds (ETFs)
• 529 College Savings Plans
• Insurance (Long-term Care, Term Life, Universal Life, and Variable Life)
• Individual Retirement Accounts (Traditional IRA and Roth IRA)
• Qualified Retirement Plans (Including 401(k), 403(b), 457, SEP IRA, and Simple IRA)

Alternative Investments*

Non-traded REITS, Limited Partnerships, DSTs and Business Development Companies

At Dorko Wealth & Estate Planning, we recognize the value of alternative investments for our higher net-worth clients. In addition to yielding an average dividend of 5.25% to 7%** as well as the potential for growth, “alts” can deliver an income stream for retirement while providing an additional layer of diversification with low correlation to both the stock market and the bond market.

As branch manager for the Reading branch of Centaurus Financial in Wyomissing, Cheryl Dorko RFC specializes in the expanding variety of alternative investments available to you, the retail investor.

*Investing in alternative investments involves a high degree of risk and also has specific suitability requirements. Be sure to review the prospectus prior to investing.
**Subject to change

Asset Allocation

If you are one of many residents of Pennsylvania who believes your best investment strategy is to buy low and sell high, you may want to explore the possibilities of asset allocation. Asset allocation is the decision of what percentage of your assets are invested in various asset classes. Strategic asset allocation involves establishing different weightings for various asset classes and making few changes in those weightings over the short run. As a result, although no investment strategy can guarantee success, a properly allocated portfolio may be more likely to participate in positive investment trends while at the same time reducing volatility when the investment climate changes.

The asset weightings in your portfolio will depend on your individual needs and financial objectives. As your lifestyle changes, you can, with the help of your financial adviser, change the weightings in your portfolio to reflect your changing goals. For example, in your early investment years, you will probably want a larger portion of your assets invested in equities, for long-term growth. Although past performance cannot guarantee future results, equities have historically outperformed other investment vehicles. As you get older and need to start investing more conservatively, you will probably want to start shifting more of your assets into less volatile investment vehicles, such as fixed income investments.

Schedule an appointment today to discuss your investments and asset allocation.