Our Investment Philosophy

**The YourLife Investment Process**

At Morton Financial, our investment approach is rigorous, methodical, and personal. We tailor your investment plan to focus on your specific needs, goals, and values, as well as important considerations such as taxes, income, and market volatility. Our process follows proven and systematic methods, while maintaining an investment portfolio that is customized to be uniquely yours.

Key Principles

Broadly-diversified portfolios – the power of free markets means that it is reasonable for investors to expect stock prices to gradually rise over time.

Risk and Return are related – academic research has proven that some risks are worth taking. For example, over time stocks outperform bonds.

Structured Asset Allocation can help reduce volatility and enhance wealth – it is impossible to know when an asset class will outperform all others and when it will underperform allothers. Structured asset allocation, which involves owning a mix of assets that have different price movements, can help reduce risk.

*All investing involves risk including loss of principal. No strategy assures success or protects against loss. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

Central Tenets

Long-term perspective – Once your portfolio is created, we let it do its job. This means staying invested during downturns and shutting out the many emotional and behavioral reactions that come with such downturns that often lead to costly mistakes.

Suitability – your portfolio is based on your goals, income needs, and time horizon.

Fiduciary Standards in Advisory Relationships – We're legally and ethically bound to act in your best interest.

Stress Testing for durability – We rigorously stress test out strategies, considering variables such as risk, potential return, asset allocation, upside/downside, historical performance, and other considerations.

Systematic and Strategic Re-balancing – Systematic re-balancing helps reduce risk and capture long-term market returns. Strategic re-balancing, in the midst of a down market, can create opportunity on the future upside.

*Rebalancing a portfolio may cause investors to incur tax liabilities and/or transaction costs and does not assure a profit or protect against a loss.

Collaborative Approach

We work with clients to map out their goals and objectives and use that information to determine their custom risk profile.

Once a client’s risk profile is determined we develop a customized investment policy using one of our twelve proprietary investment strategies.

We monitor our portfolios on a quarterly basis throughout the year, adjusting them as needed so they remain aligned with your needs as they develop in real time.

As your life progresses, we'll revisit and adjust your portfolio to keep it aligned with your goals.

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