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Investment Platforms

At The SecondHalf Coach, your goals are at the forefront of our relationship and the driving force behind the financial guidance we offer. As independent representatives we view the products we sell as tools that help build a planned outcome relative to your goals. Our advice spans a broad range of financial issues you must address:

  • Portfolio policy, construction and management
  • Retirement fund* accumulation and withdrawal
  • Tax maximization
  • College funding* and other major expenses
  • Estate planning and trust management
  • Life insurance and estate preservation

We are capable of providing clients a fee-based or commission- based relationship with regard to investment selection* and implementation depending on each client’s needs, desires and suitability.

Relationships with Third Party Money Managers

Third Party Money Managers offer a variety of plans including Separate Account Management, Private Account Management, Asset Allocation Services* and Multi-disciplined accounts. We are proud to have formed numerous relationships with some of the nation’s leading investment management firms.

Asset Allocation Services

There are three types of asset allocation services available: 1. Strategic Asset Allocation (SAA), 2. Tactical Asset Allocation (TAA) and 3. Dynamic Asset Allocation (DAA).

Under SAA the client’s assets are invested in accordance with their investment objectives, risk tolerance, and present and forecasted economic conditions. Generally, an initial allocation is determined and the account is rebalanced to its original allocation parameters on a periodic basis. TAA is a more active approach to investment management whereby the account’s investments and allocations are reallocated based on valuation models, pricing models, momentum indicators and other technical and fundamental factors. Finally, DAA typically diversifies a client portfolio based upon the client’s risk tolerance, as well as prevailing market conditions. DAA firms may reallocate client portfolios based on valuation models, pricing models, momentum indicators and other technical and fundamental factors. DAAs are similar to TAAs with the exception that the Third-Party Money Manager may trade on a more frequent basis.

SAA, TAA, and DAA programs may be invested in multiple asset classes. In addition, they may invest in “Load” or commission waived mutual funds, no-load mutual funds, exchange trade funds, and variable annuities. Availability of these platforms depend on the amount of investable assets to meet platform minimums.

Investment Products Offered

  • Mutual Funds, Stocks and Bonds
  • Certificates of Deposit
  • Fixed and Variable Annuities
  • Real Estate Investment Trusts (REITS)
  • Tax Credit Programs 

Account Types

Retirement

  • Traditional and Roth IRA’s
  • SEP and Simple IRA’s
  • 401(k) and Profit Sharing Plans
  • 403(b) and TSA’s

College Planning*

  • 529 College Savings Plans
  • Education IRA’s

Other

  • Individual and Joint
  • Trust
  • Custodial
  • Transfer on Death
  • Corporate

*Securities offered through SagePoint Financial

Please note that individual situations can vary.

There is no guarantee that a diversified portfolio will outperform a non-diversified portfolio in any given market environment. No investment strategy, such as asset allocation, can guarantee a profit or protect against loss in periods of declining values.

Please note that rebalancing investments may cause investors to incur transaction costs and, when rebalancing a non-retirement account, taxable events will be created that may increase your tax liability. Rebalancing a portfolio cannot assure a profit or protect against a loss in any given market environment.


© 2017 SecondHalf Coach Wealth Management | 2519 Ligonier Street, PO Box 421, Latrobe, PA 15650 | All rights reserved
P: 724-537-2799 | F: 724-537-3180 info@thesecondhalfcoach.com |
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