Skip to main content

Oram & Kaylor - Strategic Asset Management

888-438-0688 contactus@investmentsok.com

Client Center

Oram & Kaylor - Strategic Asset Management

  • Home
  • About 
    • Our Philosophy/Process
    • Our Team
  • Our Services 
    • Our Philosophy/Process
    • Financial Planning
    • Investments
    • Estate Planning
    • Retirement Planning
    • Asset Allocation
  • Blog
  • Resources 
    • Learning Center
    • Client Account Access
    • Financial Calculators
  • Market Commentaries
  • Contact

    You are here

  1. Home
  2. Blogs
  3. Five Things You Should Expect From Your Financial Advisor

Five Things You Should Expect From Your Financial Advisor

Submitted by Oram & Kaylor on February 5th, 2016

In the realm of investment advice, value is defined by what you receive from your advisory relationship that meets or exceeds your expectations. For most clients, it has much less to do with pricing or investment performance, than it has to do with the fulfillment of promises and commitments made at the outset of the relationship.  But the commitments will only have value if they are based on your stated needs and expectations.  A specific product or sales pitch is not a Financial Plan. 

You should expect your financial advisor to have in place a clearly defined process for working with you to develop and implement your investment strategy. You know you’ve found the right financial advisor when that process includes, at a minimum, these five elements:

Thoroughly Assess Your Financial Situation and Goals

The initial Discovery Meeting must consist of a thorough assessment of your current financial situation in light of your most important goals. It is here where you and your financial advisor must have a frank and in depth discussion of what you want to have happen now and in the future based on your values, beliefs, and priorities, all of which sets the course for developing and implementing your financial plan. 

Establish Long-Term Investment Objectives

Having a clear understanding of your financial goals, your financial profile and your risk profile, your advisor should establish well-defined benchmarks which form the basis of your investment strategy. Your benchmarks determine the investment returns you need to generate and become the key measures of your progress towards your objectives.

Develop Your Asset Allocation Plan

With your benchmarks in place, your advisor should formulate an asset allocation strategy that reflects your risk/reward requirements. This involves identifying a mix of asset classes and securities or investment vehicles within those asset classes with the potential to generate the returns dictated by your benchmarks with an acceptable range of portfolio volatility.

Implement the Selected Strategy

With your asset allocation in place, the work begins on constructing your portfolio using select asset class funds to achieve optimum diversification. When available, institutional asset class funds provide the best possible exposure across multiple sectors and geographic regions at the lowest cost.

Monitor and Rebalance Your Portfolio

With a sound investment strategy based exclusively on your personal benchmarks in place, there is little reason to track your investments daily, weekly or even monthly.  Instead, you and your advisor should establish regular intervals when you meet to measure progress, and make adjustments to your plan based on any changes in circumstances. Your investment strategy should include an automatic trigger for rebalancing your portfolio on an annual basis to ensure your target allocation of assets remains intact.

One More Thing....

Your financial advisor should clearly explain and document the process and services to be provided to you and define both his and your responsibilities. The client-advisor relationship is defined in large part by the method of compensation, so the advisor should explain fully how they will be paid and by whom, and all potential conflicts of interest should be disclosed.

Diversification seeks to reduce the volatility of a portfolio by investing in a variety of asset classes. Neither asset allocation nor diversification guarantee against market loss or greater or more consistent returns

Securities offered through Securities America, Inc., a Registered Broker/Dealer, Member FINRA/SIPC. Advisory services offered through Securities America Advisors, Inc., an SEC Registered Investment Advisor.  Oram & Kaylor Strategic Asset Management and Securities America are not affiliated companies

 

Latest Blog Posts

Calm before the storm.....?

Submitted by Oram & Kaylor on May 15th, 2017

Trying to accurately predict the movement of the financial markets is akin to predicting the weather. No one really knows, and we have to wait to see what actually happens.

 

Tags:
  • blog
  • investment
  • world events
  • Read more

DOW 20,000, now what?

Submitted by Oram & Kaylor on January 30th, 2017

Traders wore grins and commemorative hats Wednesday as the Dow Jones industrial average broke the 20,000 mark for the first time. The milestone reflects a growing economy. The private sector added 15.6 million jobs over the last 81 months; the Fed has begun increasing interest rates; and average wages grew 2.9 percent in December.

 

Tags:
  • blog
  • investment
  • investment planning
  • Read more

Still Time for Certain Tax Moves

Submitted by Oram & Kaylor on January 16th, 2017

 

Even as you look at a fresh 2017 calendar, you may still be able to make one or two strategic tax moves for 2016. But they must be made by the national filing deadline, which falls on Tuesday, April 17, this year.

 

Tags:
  • blog
  • investment
  • retirement planning
  • Read more

Looking to learn more?

Get in touch today

Contact Us

Additional info

  • Sitemap
  • Legal, privacy, copyright and trademark information

Contact info

  •   306 Laurel Mountain Road, Suite 104, Mammoth Lakes, CA 93546
  • USPS Mailing Address:
  • PO BOX 7135 Mammoth Lakes,
    CA 93546 United States
  •   888-438-0688
  •   contactus@investmentsok.com

An investor should carefully consider the investment objectives, risks, charges and expenses before investing. The fund prospectus contains this and other information about the investment company. For a copy of the prospectus, please contact your advisor. Read the prospectus carefully before investing or sending money. past performance is not a guarantee of future results Any tax or legal information provided here is merely a summary of our understanding and interpretation of some of the current income tax regulations and is not exhaustive. Investors must consult their tax advisor or legal counsel for advice and information concerning their particular situation.

Osaic Wealth Form CRS

Securities and investment advisory services offered through Osaic Wealth, Inc. member FINRA/SIPC.  Osaic Wealth is separately owned and other entities and/or marketing names, products or services referenced here are independent of Osaic Wealth.

This site is published for residents of the United States and is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security or product that may be referenced herein. Persons mentioned on this website may only offer services and transact business and/or respond to inquiries in states or jurisdictions in which they have been properly registered or are exempt from registration. Not all products and services referenced on this site are available in every state, jurisdiction or from every person listed.

 

Darin Kaylor

CA Life Insurance # 0E70659 NV Life License # 208390 
Securities Licensed: AR, AZ, CA, CO, MD, NV, OR, WA, WY, SC
Advisory Licensed: CA

© 2025 Oram & Kaylor - Strategic Asset Management. All rights reserved.

Website Design For Financial Services Professionals