We offer a wide array of investment and financial planning services. The investment options include:
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Stocks
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Bonds
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Mutual Funds
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Variable Annuities
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Equity Index Annuities
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Retirement Accounts
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Retirement Planning
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Real Estate Investment Trusts
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Non-Traditional Investments
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Oil and Gas Funds
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Educational Savings Plan
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Unit Investment Trust
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Estate Planning
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Certificates of Deposit
Whether planning for your successful retirement, for a child's education, or if you have experienced a significant change in your life, our interest is to establish long-lasting, confidential relationships by providing service that is designed to help meet or exceed your expectations.
Our Philosophy
Our clients want more, expect more, and deserve more expertise and service than the norm. We are committed to putting the best investment and planning minds to work for our clients. Specifically, we specialize in protecting and preserving our client's financial asset base. We believe that results are accomplished by helping the client to set goals that include:
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Securing the asset base
Asset allocation, quality diversification, and risk management are among the most critical aspects of investing.
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Quantifying the effects of inflation
Proper investment allocation and performance evaluation should take into account the potentially debilitating effects of inflation over long periods of time.
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Managing Risk
Diversify into areas that represent the highest consistent quality.
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Recognizing cash flow requirements
Create and implement a plan to help meet vital cash needs prudently.
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Reducing taxes
Aggressively explore all alternatives available to help reduce income, capital gains, and estate taxes.*
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Maximizing the transfer of wealth
Control is the ultimate objective. Many alternative are available, and proper selection can help assure that your heirs are protected to your satisfaction.
* Milkie / Ferguson Investments is not a legal or tax advisor.
Investment Philosophy
Appropriate asset allocation is one of the most important decisions you can make. Various studies have shown that more than 90% of investment performance can be determined by the asset allocation decision. What percentage of your assets is alloocated to equities, fixed income, cash, and equivalents? Over time this has proven to be more important than the individual stocks and bonds selected. Therefore, we believe it is essential to arrive at an individual asset allocation decision with which you are comfortable and offers the potential to attain your financial goals.
The quality of a financial product or service has a direct effect on the realization of your financial objectives. Your assets will be diversified in quality investment vehicles that provide you with the potential to achieve your financial goals.
Managing risk is more important than maximizing gains. We believe you should never invest in anything that you are uncomfortable with or that you don't understand. While we would prefer to live in a world without risk, this preference simply does not conform to the real world. Therefore, we use risk management techniques and tools to reduce the following risks.
* Asset allocation does not eliminate the risk of fluctuating process or uncertain returns.
Risks to Avoid and Manage
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Principal Risk
The risk of losing all or part of the monies originally invested.
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Inflation Risk
The risk of purchasing power being diminished as the cost of goods and services increases thereby the value of assets and income.
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Interest Rate Risk
The risk of being unable to invest the proceeds of a fixed income investment upon maturity into other fixed income securities having a comparable interest rate. The risk is created by the possibility of a future drop in market interest rates.
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Liquidity Risk
The risk of being unable to sell investments quickly without having a major impact on the price of those investments.
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Repayment (Credit) Risk
The risk that a company will be unable to make interest and principal payments on its bonds and other debt securities.
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Exchange risk
The risk of the loss of value due to foreign currency fluctuations.
Investment Process
Investment is a process, and we step you through it.
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Step 1:
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Initial Consultation
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Get to know each other
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Discussion of goals and objectives
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Identify assets and liabilities
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Identify Investment Experience
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Discussion of Mutual Expectations
(Service and Performance)
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Step 2:
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Research and Analysis
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Review of Investment objectives
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Analysis of capital markets and asset allocation
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Review of alternative investment vehicles
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Identify investment guidelines
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Step 3:
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Second Meeting
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Recommendation of investment portfolio
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Reaffirmation of periodic income needs
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Step 4:
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Implementation of Investment Program
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Review selection of investments
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Implementation of administrative documents
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Step 5:
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Quarterly or periodic meeting
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Review of quarterly statement
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Evaluation of investment performance
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Analysis and reaffirmation of investment goals
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Invitations to on-going educational seminars
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Quarterly newsletter
* The information contained herein is for informational purposes only. It is not a solicitation to sell or offer to buy. It is obtained from sources believed to be reliable; accuracy and completeness is not guaranteed. Milkie/Ferguson Investments, Inc. is not responsible for the marketability/price performance of these securities. Opinions expressed are the author's and subject to change without notice. Prices and availability are subject to change. Milkie/Ferguson Investments, Inc. is a member FINRA / SIPC.
