At Potomac Financial Advisors, we will structure your portfolio to get you the highest expected return without taking unnecessary risks.

Our Approach:

• We will help you determine your risk tolerance and the levvel of risk you can comfortably assume in your portfolio.
• We work with you to develop an Investment Plan to preserve your assets and invest your income to increase your wealth.
• As you age, we adjust your investments to manage your risk and ensure that you are not overly exposed to market swings.
• We manage and execute your Investment Plan, making adjustments as needed with your approval. 
• We meet with you regularly to review your investment performance, as well as your changing needs and goals. 
• Your assets are held and safeguarded in a custodial account at Fidelity Investments, Charles Schwab, Vanguard, or a similar firm which we will help you select.

Determining Your Level of Risk and Return:
When developing an investment plan, the first factor we consider is your risk tolerance, basically how much of your investment portfolio are you willing and able to risk losing in order to potentially achieve a higher return.  Determining how much risk you can take on in your portfolio depends on several factors:

• Family Situation
• Your Age
• Employment
• Debt and Cash
• Insurance
• Personal Preference 

About Our Investment Advice:

• We tailor each client’s asset allocation to their financial goals, time horizon, and risk tolerance.
• We develop diversified portfolios of equity securities, fixed income securities (bonds), and a variety of cash management instruments.
• Our investment mix is flexible enough to withstand changing economic conditions.

What We Recommend:

• Equities:  We consider both individual stocks and no-load equity mutual funds for a client’s portfolio.  We develop an equity strategy that balances the allocation of assets between growth and value equities or funds; large, midsize, and small capitalization stocks; international equities; as well as specific industry sectors such as financial services, health care, and technology.  Our emphasis is on investing in equities for the longer term.
  
  
• Fixed Income:  Fixed income securities are also called bonds.  We prefer U.S. Treasury securities, as well as quasi-governmental, municipal and high-grade corporate bonds for the fixed income portion of a client’s portfolio.  Our objective is to build a foundation of high quality, individual bonds.  We ladder or stagger the maturities over a short to intermediate time period, so as bonds mature each year, assets can be reinvested to take advantage of changing conditions in the financial markets.