Asset Management

Through our business partnership with CPR Investments Inc., a registered investment adviser, our goal is provide for our clients investment solutions that best fit their objectives. This is done by developing a financial strategy, along with a risk tolerance evaluation. Through the various money management firms and models, along with their focus on risk and performance, is what enables us to help our clients in retirement and attract new ones.

A COMPREHENSIVE STRATEGY

Our objective investment startegies and active approach provide you with a comprehensive strategy for your investments. Clear, decisive decisions are taken into account for market trends - whether up or down. We also make sure you have an exit strategy. This includes a strategy for how to systematically draw upon your investments to provide you with a solid income for retirement and a strategy for leaving a legacy to your children.

THIRD-PARTY CUSTODY

You can rest easy knowing that your assets are held away by a third-party custodian. At no time does CPR Investments Inc. have custody or possession of your funds.  Each third-party custodian is regulated and monitored by an independent regulatory boday. This is no occassional perfunctory check-up: The custodians are rigorously examined on a regular basis, and have to adhere to the highest standards fo security, safety and conduct. You always have access to your account(s) thorugh your third-party custodian. That means you can view transaction and account values on a daily basis and can withdraw your funds at any time, right away from day one.

MOVING FROM BUY-AND-HOPE TO ACT-AND-ACHIEVE

Consider your life goals: Building a healthy marriage, raising your children well, pursuing career success, buying your dream house. Do you take a passive approach to any of these goals? Of course not. You know that these dreams do not turn into reality without purposeful, intelligent, and consistent action. Investing is no different.  The purpose of investing is to achieve financial gain and security. For too long, investors have bought ino a passive buy-and-hold philosophy under the illusion that it was an investment strategy: Diveristy your funds adequately when your thirty, forget about them, and forty years later you will be living a luxurious retirement.  Unfortunately, one economic crash can destroy not only that illusion, but also any opportunity of recouping your losses. CPR Investments Inc. rejects this "buy-and-hope" outlook and takes an "act-and-achieve" approach. We have sought to steadily grow our client's funds while minimizing loss through:

  • Active Asset Management: Our sub-advisors actively manage accounts on a day-to-day basis to create opportunities for return by investing in areas of market strength. while that does not necessarily mean there will be transactions on a daily basis, it does allow for the possibility depending on changing market conditions.
  • Investment Strategies: Many of our investment strategies are run daily to evaluate current short-term market trends. Because our strategies are quantitative, objective, and mathematical, we remove the emotional human factor from the investing equation and ensure lower volatility and more consistent returns.
  • Proactive Risk Management: Our investment strategies seek to reduce and manage risk through tactical asset allocation, reducing exposure to weak industry sectors and index funds, and moving to 100% cash, or in some strategies to "inverse" funds, in cases of extreme market volatility. 

By acting to protect your capital during poor markets and build your capital during strong markets, we help you achieve your investment goals. 

Sound Investing is not:

  • Trusting that it will work out all right in the end.
  • Reacting to emotionally charged headlines.
  • Taking a chance, a gamble, or a long shot.
  • Believing that someone can predict the future.

Sound investing is a disciplined process that is objecive, active and comprehensive.

Do you want to trust your savings - and your future -  to someone else's opinion, gut instinct or emotional response? The economy is far to complex. Our investments offer strategies that remove emotion, opinion, and personal bias from the investment process. We have replaced these subjective snares with objective investment strategies, developed from years of intense market analysis. We do not make either forecasts or predictions. 

Listed here are services we offer:

  • Roth IRAs
  • Traditional IRAs
  • College Accounts
  • Joint Accounts
  • Trust Accounts
  • Rollover IRAs
  • 401(k) Plans
  • 403(b) Plans
  • 457(b) plans
  • SEP IRAs
  • SIMPLE IRAs
  • Profit Sharing Plans

401(k) Plans  

It can be challenging for an employer to establish and maintain a cost-effective retirement plan for their employees while mitigating employer fiduciary liability. We offer companies a multiple employer plan designed to help businesses provide a cost-effective retirement plan for their employees. This multiple employer retirement (MEP) plan uses the economies of scale of multiple companies to leverage their collective strength in ways that often cannot otherwise be accomplished. This 401(k) Plan is a fully-integrated customizable, turn-key retirement plan designed to reduce employer and personal fiduciary liability.

Cost: Individual adopters are able to take advantage of economy of scale plan pricing.

Liability: The sponsor is no longer the trustee for their retirement plan; personal liability is transferred to an independent fiduciary and fiduciary liability is significantly reduced.

Choice: Adopting employers are still able to choose from a menu of investment options, as recommended by the ERISA Fiduciary in the plan, that incorporates best-in-class risk-based portfolios along with core investment options that allow for self-direction.

Flexibility: The plan allows for custom design to allow each adopting employer to implement provisions (e.g. eligibility, matching) to their specific needs.

Service: Overall relationship management will be spearheaded by FutureBenefits of America, an independent 3rd Party Administration and record keeping firm.

Howard Capital Management 401(k) Optimizer Program:  

Professional advice for your 401(k) retirement investments.

The HCM 401-(k) Optimizer provides the following:

1) Analyzes the choices in your employers retirement plan: Managing your own retirement investments can be tough. And the wrong choices could lead to less money at retirement. The Optimizer gives you direct, personalized advice so you can feel confident about your financial future

2) Backed by Sophisticated Analysis: Although the HCM 401(k) Optimizer is simple to use, the underlying analysis is highly advanced. It's like having your very own personal investment advisor. And it's on the job 24 hours a day, 365 days a year.

3) Receive a detailed report on your plan:Taking your age and comfort level with risk into account, the HCM 401(k) Optimizer recommends which investment options you should choose – and how much you should allocate to each.

4) Know what to do during Market ups and downs:No more worrying about your investments! When the market drops below the HCM-BuyLine®, you'll get clear advice on how to restructure your portfolio in an attempt to protect your assets. You'll also get advice on what to do when the market goes back up.

Visit www.hcm401koptimizer.com.   The annual amount is $79.00. Call me to discuss.

457(b) & 403(b) Plans

In the 457(b) and 403(b) marketplace, via one of our carriers, who is a top provider of indexed annuities in the employer plan category, provides a comprehensive benefits package to attract, reward and retain employees. In today's competitive employment market, offering a retirement product that meets the needs of your employees today and down the road is key.

One very important point of discussiong regarding retirement planning is the concern of outliving one's retirement savings. In fact, that is the number one concern for those who are approaching, getting ready or already retired. Most people would think their most dire fear would be death. Not even close. 

As a financial professional and advisor, focusing on market risk, principal protection, longevity, taxes, inflation, income for life are part of the discussions I have with the families I serve. 

With regards to 457(b)/403(b) plans, knowing that  this part of your retirement can be protected from market losses, provide principal protection, and income for life without the fear of running out of money is a very valuable benefit to have as part of a retirement plan.

Our long-standing business partnerships and marketing consultants provide Valenzuela Financial Management Group the necessary support in identifying the annuity providers and product/s best suited for the needs of the client. We represent an array of insurance companies who specialize in this area.

 

....... with a Personal Touch

Who wants to be a number instead of a name? No one. We know tha you are not an account number or a dollar figure. You are a person - with hopes, goals and dreams.

We are committed to you as a person: committed to helping you fulfill your hopes, accomplish your goals, and realize your dreams. Every investment decision is made with you in mind.

You know that you can reach us when you have a question. You know that your call will be welcomed!

We are here: in person, by phone, or by email, to serve you!