What We Do


 

During the time period of 1992 – 2011 the S&P 500 had an annualized return of 7.81%.
The average investor earned an annualized return of 3.49%.

Why do we care so much about behavior at JDH? Behavior often dictates the outcome of your planning strategy.
“When people are greedy, be very cautious. When everyone is scared, be as aggressive as possible.”

– Warren Buffett

An investor’s behavior is the most important factor to having a successful investment experience over one’s lifetime. Human emotions, such as greed and fear, play a big role in one’s behavior. At JDH, we work with each client and their investment behavior by educating them on the successful techniques to weather difficult investment periods, like the great recession of 2008, and reinforcing the need to avoid the damaging outcomes of greed and fear.

 

Studies show that the majority of Americans have no financial plan in place.

Developing your investment strategy takes a lot of work. At JDH Wealth Management we believe it starts with trust.

No two investors are the same. As your trusted advisor we strive to uncover your unique goals, objectives, fears and concerns. Once we have a good understanding, we then can work with you to develop an investment strategy.

Putting all of these investment ideas in motion takes a lot of discussion and thought. It isn’t something that can be done quickly. Once implemented, we will continually meet with you to see if a change in your spending, your family or your life requires a change in your investment strategy.

Why is it that when the risk shows up, people start to bail on their investment strategy?

Many investors tell us that they want lush returns, but don’t want to take very much risk. However, risk and return are interconnected. If you want or need return from your investments, you have to be willing to take risk to get it. If there is no risk, there will be no return. The problem with many investors is they have no idea of the impact their exposure to risk can play on their portfolio.

At JDH, we will guide you on assessing how much risk you need to take in order to achieve your financial goals and objectives. For most investors, this means figuring out one’s spending and building a diversified portfolio that will minimize the risk of outliving their money. We believe this is the smart way to investing: not taking on more risk than is needed to achieve your financial goals and objectives.

No one enjoys watching their portfolio behave like a yo-yo.

At JDH, we believe diversification is key to minimizing risk, and thereby reducing portfolio volatility. We use investment strategies that are based on academic research rather than on speculation or the latest investment trends noted in an investment magazine. Structuring a strategy around compensated risk factors lends purpose to an investor’s portfolio. Rather than analyzing individual securities, investing becomes a relatively simple matter of deciding how much to allocate to small, large, value, and growth stocks around the world—and how much term and credit exposure to target in fixed income. By focusing on what matters, JDH focuses your efforts.

Three in ten American households (35 million) are uninsured and half say they need more life insurance.

Life insurance is expensive and often gets abused due to high commissions and general misconceptions.  The industry lends itself to a majority if consumers to be under and over-insured.

We work with our clients to assess their need for insurance and ensure their loved ones are taken care of in the event of a unexpected death.

Contact us if you would like to explore your need for life insurance.