My mission is to provide you the necessary information and guidance by which decisions can be made to maximize your financial objectives. I understand this is not a short term endeavor; and I am prepared to earn your trust and confidence as I develop a long, satisfying relationship. I strongly believe the ultimate achievement of your goals requires a serious commitment from you and me, and I am prepared and qualified to make that commitment.
Building Your Financial Future:
How Do I Help You Achieve Your Financial Objectives? The process has four major steps:
Why Do I Use this Process?
Studies have shown that 90% of portfolio returns is directly attributable to the allocation strategy.
Success is directly related to the existence of a written plan, reviewed regularly. Therefore, this process is used to provide you the optimal opportunity to achieve your goals within the risk parameters you have specified.
A Personal Policy Statement is created. This step identifies your goals, objectives, time horizon, liquidity requirements, rate of return expectations (or requirements), ability to assume risk, and other factors unique to you. Since it is imperative that your vision and specific requirements are clearly understood, a great deal of time is spent on this step. It is at this point that a formal, written financial plan is created for you.
Asset Allocation Parameters are developed. Asset allocation is the mix of your assets among equities, bonds and cash. The allocation strategy recommended to you will directly reflect the criteria established in your personal investment policy statement.
Specific investments, money managers and/or mutual funds are reviewed and selected. The selection criteria at this stage will include risk-adjusted performance (the level of return in the context of risk taken), experience and stability of management, and consistency of management style. Individual equities and bonds will be considered to complement the overall portfolio. The degree to which any particular investment vehicle is used is based on both the ‘value added’ it offers in meeting your needs and any personal preferences you may have.
A systematic and objective evaluation process is implemented. Portfolio reviews will be done to monitor relative performance. Those investments that are no longer deemed appropriate, or those not consistent with the original selection criteria, will be removed and replaced. Allocation decisions will be reviewed in conjunction with policy reassessment on an annual basis.
Learn More About Winsome & Her Team
Winsome P. Carter, MBA
Vice President, Financial Advisor
With over 20 years experience in the financial industry, Winsome earned her Bachelors in Business Administration (BBA) from the Bernard Baruch College at the City University of New York; and a Masters in Business Administration (MBA) from St. John Fisher College.
In addition to her investment management responsibilities, Winsome is very active in the local community. She currently serves on the Finance Committee of the Sojourner House at PathStone/Wilson Commencement Park, is a member of Rochester Global Connections and also serves on the Loan Committee of PathStone Enterprise Center.
Winsome is a past Board member of:
Winsome currently resides in Pittsford with her husband, Robert.
One of the many benefits of working with a Sage Rutty Advisor is the access you receive to our Financial Planning Department.
Working in tandem with our advisors,
Victoria Ferren, CFP®, CHSA® and
Aaron Young, MSPFP, CFP®, CRPC®, CHSA®, AIF®
provide decades of experience in the Financial Planning realm.