Our Approach to Investing As Registered Investment Advisors, our investment objective is quite simple: We strive to Maximize Returns While minimizing Risk We do not employ get-rich-quick strategies or "hot-tip" investment products. We use a disciplined process that sophisticated institutional investors have followed for decades in managing their investments. In developing an investment plan, we first gather information to determine an investor`s goals and objectives. We then determine the investor`s expected returns and risk tolerance. Once we have a clear understanding of the investor`s goals, objectives, and tolerance for risk, we then build an investment portfolio to try and meet the stated objectives while managing the overall risk in the portfolio. Since no two investors have the same exact goals, no two portfolios are alike. Once the portfolio is created, we then provide continuous monitoring of the investments to ensure that it remains consistent with the client`s agreed-upon asset allocation and performance expectations. Based on the asset allocation model that is best suited for your specific needs, we then use the following investments to meet your objectives: No load mutual funds No transaction fee mutual funds Common stocks Corporate and government bonds Professional Investment Management Services With today`s complex financial markets, managing your own investment portfolio has become more challenging than ever. If you are finding it increasingly difficult to research, evaluate and monitor your investments on a timely basis, perhaps you should talk to us at Anderson,  Riley,  & Spoor, P.A. Furthermore, if you find our independent and objective financial advice a refreshing change to the more traditional delivery of investment advice, then perhaps you would find our services beneficial to your investment goals. At Anderson,  Riley,  & Spoor, P.A.  we are committed to providing skilled investment management for all of our clients. Although no two clients are alike, they are all managed in accordance with our firm`s basic operating philosophy: Meet and exceed the increasingly diverse investment needs of our clients

Balancing Your Portfolio   Research has shown that approximately 91% of a portfolio's investment return is due to effective asset allocation; that is, how effectively your money is allocated between different asset classes (e.g., stocks, bonds, money markets, etc.). Only 5% of the return is due to stock pricing and 4% due to market timing. Diversity By diversifying your portfolio into different asset classes, we can help protect against poor performance in one type of investment while including investments most likely to help you achieve your financial goals and objectives. Maintain a Long Term Perspective For most individuals, the best discipline is staying invested as market conditions change. Reactive, emotional investment decisions are all too often a source of regret and principal loss.