We believe in a disciplined and academically tested method of investing. The focus is on low-cost, efficient portfolios. The investment profile or financial plan provides the target rate of return required to maintain or to achieve a desired lifestyle. A unique mix of investments targets that rate of return but at the lowest cost and the lowest amount of risk possible.
Investment-related costs are paid by the individual investor. As an independent, fee-only financial advisor Arkell is free to choose from the entire universe of investments. Once the client’s unique target rate of return is determined using the financial plan or the investment profile, Arkell builds an investment strategy using low-cost investments. The cost-savings are passed directly to the client, increasing the potential for long-term portfolio growth.
Investors often focus solely on achieving the maximum return and overlook both the risks associated with individual investments and the risk of their overall account. It isn’t until periods of significant loss that many investors appreciate the need for risk management. At Arkell we define risk as the probability of a client’s lifestyle changing due to investment loss. Downside protection is utilized to limit that risk and to protect the client's lifestyle.