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Asset Maximization

Wellness Investment Advisers LLC

 

At Wellness Investment Advisers LLC, our main objective is to help our clients accomplish their evolving investment aspirations and goals in today’s complex investment marketplace. The advice and recommendations you’ll receive are custom-tailored to you, factoring in your risk tolerance, desired returns, time frame, and income specifications. With market insights and our personalized approach to asset maximization, we offer innovative solutions for our clients. Our team of professionals shares a common vision for success and customer service, and we provide investment management that caters to each specific investor.


The benefit of asset maximization

Asset allocation is a management process that consists of combining various asset classes (stocks, bonds, mutual funds, and more) into a portfolio. Returns are sought from the portfolio as a whole, and not each individual security. This approach to asset allocation addresses potential risk through proper diversification while also pointing your assets toward achieving growth.

Our experience and confidence in the aforementioned process, combined with our objective-driven management, make us a fit for people who are investing for retirement income. We are also adept at focusing your assets to help create a reliable source of retirement income while mitigating volatility and aimed at long-term growth.

Asset maximization with a fiduciary

As a fiduciary, we have an obligation to ensure the appropriate products, services, and recommendations are chosen based on the clients’ best interest. Therefore, we develop your personalized asset allocation model based on individual risk tolerance, objectives and financial needs. Our goal is to maximize your investment returns through diversification of your assets* and a disciplined investment philosophy combined with rigorous risk management.

*Diversification and asset allocation does not assure or guarantee better performance and cannot eliminate the risk of investment loss. Before investing, you should carefully read the applicable volatility disclosure for each of the underlying funds, which can be found in the current prospectus.


Strategic Alliances

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Wellness Investment Advisers LLC offers professional money management through various third-party money managers. One of our strategic alliances is with Gradient Investments, LLC (GI). GI is an SEC registered investment advisor firm offering clients over 20 proprietary portfolios. The portfolios are managed by their Chief Investment Officer, Wayne Schmidt CFA, MBA; Senior Portfolio Manager, Michael Binger, CFA; and Senior Investment Analyst, Mariann Montagne, CFA.

These three industry leaders now offer our clients their combined expertise. Schmidt brings 30 years of institutional investment experience to the private clients of Gradient Investments. Binger brings over 24 years of institutional equity investment experience to Gradient Investments and its affiliated advisors and clients. Montagne has 20 plus years of working with both institutional and high net worth clients and has amassed a strong breadth of investment experience in her tenure. In addition, Schmidt, Binger and Montagne are regular contributors to CNBC, Fox Business, Forbes, The Wall Street Journal and have many other national publications.

Whether your financial goal is preserving principal, maximizing income or accumulating capital, our third-party money managers have carefully designed a strategy to help you achieve your long-term financial goals.


absoluteAbsolute Capital believes there is a way to respond to dynamic market conditions. Instead of riding the ups and downs of the market, we utilize “active management” as the cornerstone of our investment management process. With our active approach, your portfolio may be fully invested, partially invested, or in cash in response to market conditions. Through Absolute Capital’s proprietary strategies available to your accounts in mutual funds, 401(k)s, variable annuities, IRAs, etc., we provide a turnkey solution to add professional money management to your accounts.

Brenden Gebben, MBA, CIMA, co-founded Absolute Capital in 2002 and has been navigating the financial markets more than 20 years. He earned his MBA from the University of Illinois, Springfield, and his BA from Illinois Wesleyan University. He holds a Certified Investment Management Analyst, CIMA®, designation through IMCA in conjunction with the Wharton School of Business.


clsSince 2000, CLS’s Risk Budgeting Methodology has been integral to the execution of our portfolio management because of three core beliefs:

  1. All investors have a capacity to bear some investment risk. The best way to manage risk is to measure it, rather than relying on a traditional stock-to-bond ratio.
  2. Over the long term, investors are rewarded for bearing risk; having too little may hurt portfolio returns.
  3. A portfolio’s investment methodology should pair disciplined risk management with a flexible asset allocation approach.

CLS’s Risk Budgeting Methodology is flexible enough to be applied to a broad variety of investor risk comfort levels, from aggressive to conservative. We have also found that most investors have one of four main investment objectives (which may change over their investing lifetime). Within these categories, we either wholly apply our Risk Budgeting Methodology, or combine it with other approaches.