Investing

Invest With Science, Not Speculation

Without realizing it, most people are trained to speculate and time the market. The Wall Street mentality pushes people to maximize risk by chasing yesterday's hot performers.

At Monterey Private Wealth, we believe investors should take the least amount of risk necessary to reach their goals, and that they should earn the maximum reward for every risk they take. By applying the principles of financial science, we ensure your portfolio is working most effectively for you, without taking excessive risk. We never speculate or attempt to time the market.

Financial Science

Our approach to investing is based on financial principles developed by Nobel Prize laureates Harry Markowitz and William Sharpe. Building on this foundation, you can invest without worrying about what the financial markets will do next week or next month. This approach enables you to invest without worrying about what the financial markets will do next week or next month. Through disciplined application of these principles, we help you achieve your financial goals more rapidly and with greater confidence.

Effective Diversification

Many people mistakenly believe diversification is achieved simply by owning more stocks. In reality, true diversification is achieved only by investing in many different types of asset classes, including U.S. stocks and bonds, international stocks, real estate, high-yield, income, etc. A well-diversified portfolio of high-quality investments provides excellent growth opportunity while protecting an investment account from significant volatility.

A Portfolio that Fits You

Each financial plan is a unique roadmap tailored to your specific needs. Our Efficient Value™ Portfolios build upon the principles of financial science, so we can manage risk and help you achieve your specific goals.