Investment Advisory Services
Investment Advisory Services
Professional Investment Guidance. Fiduciary Responsibility. Personalized Wealth Management.
Your Financial Future Deserves Experience, Independent Analysis, and a Commitment to Your Best Interests.
At Schaffer & Company Asset Management, Inc., we provide comprehensive investment advisory and wealth management services designed to help individuals, families, trusts, and businesses pursue their financial objectives through informed investment decisions and disciplined portfolio management.
As an investment adviser registered with the U.S. Securities and Exchange Commission (SEC), our firm is committed to providing professional investment guidance, personalized attention, and investment strategies tailored to each client's financial circumstances, objectives, and tolerance for risk.
Under the leadership of Gregory L. Schaffer, Chief Investment Officer, CFP®, our approach combines decades of financial services experience, 42 years experience with fundamental investment research, portfolio analysis, financial planning considerations, and ongoing investment oversight.
Whether your objective is accumulating wealth, generating retirement income, managing an existing investment portfolio, or preserving assets for future generations, we strive to provide the professional guidance and financial perspective necessary to help you make informed investment decisions.
Our Investment Advisory Services
Personalized Investment Advisory & Portfolio Management
We develop investment strategies based upon each client's individual financial objectives, investment time horizon, income requirements, liquidity needs, and ability and willingness to accept investment risk.
Our investment advisory services encompass portfolio construction, investment selection, asset allocation, diversification, portfolio monitoring, and adjustments to investment holdings as appropriate.
Active Investment Management & Research
Our investment management process incorporates fundamental research, financial market analysis, economic developments, and the evaluation of individual investment opportunities.
We assess corporate financial performance, industry trends, investment valuations, interest rates, and broader economic conditions when making investment decisions.
Rather than relying exclusively on a predetermined investment allocation, our approach allows for adjustments based upon changing financial conditions and individual client objectives.
Asset Allocation & Portfolio Diversification
We evaluate appropriate combinations of equities, fixed-income securities, exchange-traded funds, mutual funds, cash equivalents, and other investment vehicles to construct portfolios aligned with each client's financial circumstances.
Our objective is to balance investment opportunities with appropriate risk considerations while recognizing that diversification cannot eliminate the possibility of investment losses.
Retirement & Investment Income Management
Investment decisions become increasingly important when transitioning from wealth accumulation to retirement income distribution.
We assist clients in coordinating investment strategies with anticipated retirement withdrawals, income needs, required minimum distributions, Social Security benefits, and other retirement resources.
Our approach considers investment liquidity, market volatility, tax implications, and the potential effects of inflation and longevity on retirement assets.
Tax-Aware Investment Strategies
Investment management should consider the potential tax consequences associated with portfolio decisions.
We evaluate capital gains and losses, investment holding periods, portfolio turnover, tax-loss harvesting opportunities, and the coordination of taxable and retirement accounts.
When appropriate, investment decisions are coordinated with broader financial and tax planning objectives to help clients evaluate their potential after-tax financial outcomes.
Trust, Estate & Wealth Preservation Investments
We provide investment advisory services for assets held in trusts, estates, and other applicable ownership arrangements.
Investment strategies are developed with consideration for governing documents, beneficiary interests, anticipated distributions, liquidity requirements, investment objectives, and applicable fiduciary responsibilities.
We also coordinate with trustees, executors, attorneys, and tax professionals when appropriate to help align investment decisions with broader estate and wealth preservation objectives.
Ongoing Portfolio Monitoring & Client Communication
Investment advisory services extend beyond the initial selection of securities.
We monitor managed investment accounts, evaluate portfolio allocations, assess changing market conditions, and make or recommend adjustments consistent with the terms of each investment advisory relationship.
Regular client communication and periodic reviews help ensure that investment strategies remain appropriate as financial circumstances and objectives evolve.
Our Investment Advisory Philosophy
Investment Management Should Be Guided by Your Financial Objectives—Not the Sale of Financial Products.
Our investment advisory philosophy emphasizes disciplined research, personalized investment strategies, risk management, professional accountability, and long-term client relationships.
We believe that effective investment management requires understanding the investor as thoroughly as the investments being considered.
Our approach integrates investment decisions with the broader financial considerations that influence each client's financial future, including retirement planning, taxation, liquidity requirements, and estate preservation.
Fee-Based Advisory Services & Compensation Transparency
Transparent Compensation. Clearly Defined Services. A Commitment to Fiduciary Responsibility.
Schaffer & Company Asset Management, Inc. provides investment advisory services through a client-paid advisory fee arrangement. The firm does not receive sales commissions from the purchase or sale of investment products as compensation for its advisory services.
Investment portfolio management fees are generally calculated as a percentage of assets under management and billed monthlyin arrears in accordance with the client's investment advisory agreement. Other financial advisory or planning services may be provided for separately agreed hourly or fixed fees.
Our Broader Professional Compensation Structure Is Fee-Based, Not Fee-Only.
Gregory L. Schaffer, CFP®, also maintains ownership and professional affiliations with separately licensed businesses, including an insurance agency that receives commission-based compensation from insurance transactions.
These businesses operate separately from Schaffer & Company Asset Management, Inc. However, affiliated-business compensation arrangements create potential conflicts of interest, including financial incentives associated with certain recommendations or referrals.
We are committed to transparent disclosure of these relationships and to addressing material conflicts of interest consistent with applicable fiduciary and regulatory obligations.
Our investment advisory relationship is governed by the terms of the applicable advisory agreement and the disclosures contained in our Form ADV.
A Commitment to Fiduciary Excellence
Your Financial Interests Come First.
As an SEC-registered investment adviser, Schaffer & Company Asset Management, Inc. has fiduciary obligations to its investment advisory clients.
These responsibilities include acting in clients' best interests, exercising appropriate care and diligence, and providing full and fair disclosure of material conflicts of interest.
As a CERTIFIED FINANCIAL PLANNER® professional, Gregory L. Schaffer is also subject to CFP Board's fiduciary standards when providing financial advice.
We believe the foundation of a successful advisory relationship is built upon trust, professional competence, transparency, and a clear understanding of each client's financial objectives.
Your Wealth. Your Objectives. Our Fiduciary Commitment.
Investing Is Not Simply About Market Performance. It Is About Making Informed Financial Decisions That Support Your Life, Your Family, and Your Future.
At Schaffer & Company Asset Management, Inc., our commitment is to provide personalized investment guidance, disciplined portfolio management, and professional financial oversight designed to help clients pursue their investment and wealth preservation objectives.
Through research, experience, thoughtful investment strategies, and ongoing attention to individual client needs, we seek to establish enduring advisory relationships built upon professional responsibility and mutual trust.
Professional Investment Management. Personalized Financial Guidance. A Commitment to Your Future.
Investment advisory services are provided by Schaffer & Company Asset Management, Inc., an investment adviser registered with the U.S. Securities and Exchange Commission (SEC File No. 801-92168; CRD No. 138463). Registration does not imply a particular level of skill or training or constitute SEC approval or endorsement. All investments involve risk, including possible loss of principal. Investment performance and financial outcomes cannot be guaranteed. Please refer to the firm's Form ADV, Form CRS, and applicable advisory agreement for information regarding services, fees, compensation, affiliations, and conflicts of interest.Schaffer & Company Asset Management, Inc. is a SEC Registered Investment Advisor offering investment advisory and asset management services. We provide clients with a comprehensive array of wealth management tools and resources along with advisors that are Certified Financial Planner™ practitioners with over 42 years of experience in all areas of your financial stewardship.
Our goal is to be a value to you and your family helping make your goals and dreams a reality. We take great care in our workmanship behind our wealth management services. We are committed to building enduring relationships with our clients and providing expertise and solutions to meet the ever changing and evolving needs of our clients.
Please feel free to contact us for a free initial consultation.
