You may have a vision for your wealth and what it may do for you in the future, but it can be difficult to see how much of this vision is really possible.
This changes once you come to understand what opportunities you have, what strategies and resources are out there, what options have become available to you over time - and this is the kind of understanding that you can gain only from advice that is truly objective and genuinely focused on your situation.
We work with you to show you what’s possible, and it becomes our mission to make that vision a reality.
The markets are always in motion, but there are some things in investing that never change. After many years helping clients make smart decisions for their wealth, we believe that there are certain principles that remain true regardless of what's happening in your life or in the markets.
These are our six guiding investment principles.
You must have faith in the future. If you place trust in the decisions and plans we've laid out, then you can make calm, timely choices about your investments.
Peace, do not be anxious. The growth you want rarely happens overnight, but losses can happen suddenly. Smart investing is about being patient and being conscious of the long term.
Set a course and stay with it. At times, it can be harder to follow plans than it is to make them, but if you invest with consistency and discipline you can better build and preserve your wealth over time.
Select the right balance of stocks, bonds, real estate, commodities and cash. Asset allocation is one of the key factors in determining overall investment success.
We spread out too far and wide to make a killing, however we are not getting killed, either. Diversification is one of the most effective ways to mitigate risk in your portfolio.
Through market cycles, we put the portfolio back to your optimal riskreward position. This is an opportunity to adapt to the current marketplace, and to any recent changes in your life or wealth goals.
Wealth accumulation is the starting point for all of your financial goals. While we allocate your wealth to help you reach the level of growth and cash flow you need, we also help guide investment choices through ongoing behavioral consulting.
We are one of the few advisories in the UP that actually manages money. Together with in-depth planning, we help build the financial structure that you need to enjoy retirement, leave a legacy, and reach specific wealth goals.
We follow a disciplined, conservative investment process that keeps wealth protection as a top priority. We also help implement tax and insurance strategies, with a long track record of success in the UP community.
Your estate, your family wealth, your business succession, all require a coordinated approach that involves financial specialists and communication with the next generation. This is what we work to provide.
You don't have to travel outside Michigan's Upper Peninsula to get professional advice. We're local, and we represent a depth of service otherwise found only in the big cities.
As an independent practice, the advice we provide is completely objective. We have no in-house products or incentives, so we act in your interest alone.
We offer a broad range of investment options, together with our professional network and the resources of Raymond James Financial, in order to build your Advanced Plan.
At the heart of our approach, this formula brings together individual investment counsel, advanced planning and advice tailored to your situation.
Mark Aho (President, MAFG, Financial Advisor, RJFS) has been offering financial advice in the UP for over 30 years. This experience, coupled with a persistent drive for continued education, shines through in the knowledge and insight we provide our clients.
Our team includes multiple CERTIFIED FINANCIAL PLANNER™ professionals and we work with a network of specialists so that we can provide a greater level of planning and investment support for our clients.
Our Wealth Management Consultative Process is a very goal-oriented, forward-thinking process. We start with a broad view of your plans for the long term, and then we move toward the finer details.
Our service offering is built around the needs of several distinct groups, so that we may deliver the guidance each client needs.
We help manage your money, so we can pick and choose, build and customize the portfolio and wealth strategies that best suit your vision.
We look at all aspects of your wealth to implement the right strategies for you.