Our Approach

The Planning

The planning process is crucial to providing clients with the greatest probability of achieving their goals. We begin with carefully understanding your goals. We then design and implement a mutually agreed upon plan, monitor it regularly, and evaluate it over time to ensure that the plan evolves with you.



and Evaluate

Investment Management Process

To determine investment allocations in clients’ portfolios our Investment Process is based on (1) macroeconomic factors that drive financial markets and (2) the current business cycle stage. We determine how the factors and the cycle stages are interacting. We then tactically allocate our portfolios not to be overexposed to risks (such as a recession) while overweighting factors when history tells us they should perform well.

Investment Return Drivers During the Business Cycle

Source: Omega Squared proprietary research of the business cycle, 12/31/2018. Annualized monthly returns from January 1970 – December 2018. Returns are defined as: Equities – MSCI U.S. Total Return Index. High Yield Bonds – U.S. High Yield Bond Index. Investment Grade bonds – Investment Grade bond Index. Treasuries – 10-Year U.S. Treasuries. Past Performance does not guarantee future results.

How Economic Factors Impact Selected Investment Returns

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State Disclosure: Securities offered through Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SPIC. Investment advisory services offered through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Cambridge and Lof Laurence Lof Financial Advisors, LLC are not affiliated. Investment products and services available only to residents of: Arizona (AZ), California (CA), Colorado (CO), Florida (FL), Idaho (ID), Indiana (IN), Michigan (MI), Massachusetts (MA), Minnesota (MN), Montana (MT), North Carolina (NC), North Dakota (ND), New Mexico (NM), Oregon (OR), Ohio (OH), Pennsylvania (PA), Texas (TX), Virginia (VA), Wisconsin (Wl), Wyoming (WY). We are licensed to sell insurance products in the following states of: Arizona (AZ), California (CA), Colorado (CO), Florida (FL), Idaho (ID), Indiana (IN), Michigan (MI), Montana (MT), North Dakota (ND), New Mexico (NM), Oregon (OR), Pennsylvania (PA), Virginia (VA), Wisconsin (Wl).
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