“What is your inten­tion?”  It’s a big ques­tion, and one that leads near­ly every aspect of your life – includ­ing the parts that deal with mon­ey.

An invest­ment intent is based on the intractable belief we have in the prin­ci­ples and prac­tices that guide our deci­sion-mak­ing for our invest­ment port­fo­lios.  In times of mar­ket upheaval and through the dark of uncer­tain­ty, our invest­ment intent enables us to con­trol our emo­tions, shut out the noise, and focus on the things that real­ly mat­ter over the long term.

An invest­ment strat­e­gy, while impor­tant, is noth­ing more than a man­i­fes­ta­tion of an invest­ment intent.  Strat­e­gy can evolve as cir­cum­stances might war­rant.  Intent is the guid­ing prin­ci­ple that guide our invest­ment strate­gies in all cir­cum­stances.

Our invest­ment intent, is made up of three core beliefs:

  • Trans­paren­cy – We only invest in mutu­al funds and ETF’s that are easy to under­stand and to explain.
  • Diver­si­fi­ca­tion – Asset diver­si­fi­ca­tion has proven to be instru­men­tal in build­ing long-term invest­ing suc­cess. As such, we will uti­lize pas­sive asset allo­ca­tion (buy-and-hold with peri­od­ic rebal­anc­ing) strat­e­gy with the lev­el of risk dic­tat­ed by each clients’ Pros­per­i­ty Plan­ning process.  Active asset allo­ca­tion (mar­ket tim­ing) will be min­i­mized to 5% or less of a port­fo­lio and will be uti­lized when arbi­trage (dis­count pric­ing) con­di­tions exist with­in the mar­ket.
  • Social­ly Respon­si­ble Invest­ing (SRI) – It is a key con­sid­er­a­tion in our invest­ment selec­tion, espe­cial­ly for those clients who specif­i­cal­ly request SRI. For social­ly con­scious clients, we make every attempt to invest in those funds and/or ETF’s that take into con­sid­er­a­tion invest­ments that are:
    1. Stew­ards of the envi­ron­ment
    2. Devot­ed to serv­ing local com­mu­ni­ties
    3. Com­mit­ted to high­er labor stan­dards
    4. Ded­i­cat­ed to pro­duc­ing high-qual­i­ty and safe prod­ucts
    5. Those that man­age their orga­ni­za­tions in an exem­plary or eth­i­cal man­ner, or have plans to become all of the above.

Our invest­ment intent keeps us focused on the process which is our invest­ment strat­e­gy.  If mis­takes are made, we have a ratio­nal process for uncov­er­ing and learn­ing by them.  No pan­icked reac­tions or sec­ond guess­ing, just a clear assess­ment of where we are today in rela­tion to where we want to be, and whether the cur­rent strat­e­gy is the one to get us there.  At worst, we adjust the strat­e­gy.  At best, we leave it alone because it still sup­ports our core beliefs about the mar­ket.

The Pros­per­i­ty Expe­ri­ence with Mack­ey Advi­sors™ allows you to open your eyes to what you real­ly want out of life, and design a plan for exact­ly how to get there.

Our invest­ment intent allows our pro­fes­sion­als to act as your fidu­cia­ry, to ensure your assets are man­aged for your ben­e­fit, accord­ing to your plan and in your best inter­ests.