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Our Philosophy

Personalized Portfolio Management

At Fleet Wealth TM, we understand that retirees face many important decisions that can affect their long-term financial success. some of these decisions revolve around making investments that will create a hedge against outliving their income, the impact of inflation, taxation, and rising healthcare costs.

Because a large portion of our clients is retirees with similar concerns, we are in an advantageous position to approach such challenges with experience and skill. When you work with us, we take the time to understand each client's short and long-term objectives, optimal risk tolerance, time horizon, and cash flow needs before presenting them with a strategically diversified custom-tailored strategy to meet their goals.

In our experience, the best way to help investors realize their long-term investment goals is to pursue a reasonable portion of the stock market gains while managing the downside risk based upon each client's tolerance to market volatility– every day.

Traditional asset allocation is the practice of dividing investments among different equity and income categories seeking to reduce risk to the extent each asset class acts differently from each other.

We take it one step further and also diversify among strategies. We provide the opportunity for each of our portfolios to be individually diversified across both asset classes and strategies. When blended into one account and sorted by risk, the portfolio can achieve a level of diversification that is designed to deal with the challenge of today’s, and future, financial markets.

Fleet believes that most investors in the United States have unfortunately created investment portfolios that only do well when the stock market is rising.

A Major reason so many people lost money in 2000-2002 and again in 2008-2009 was investors-built investment portfolios too dependent on only rising markets. Their strategies were based on the experiences of their lifetimes up to the year 2000.

Even today, many financial planners continue to set up client investment strategies that do well only when the stocks and bonds are rising. This "mindset" among most financial planners and advisers has created havoc in many people's investment portfolios over the past two decades. When investors were hit with losses after the stock market declines in 2000-2002 and 2008-2009, many investors pulled their money out of the stock market and corporate bonds and went to cash right when the stock markets started to recover-only to suffer again as times changed.

At Fleet Wealth Management Group TM, we take our fiduciary responsibility very seriously and are committed to maintaining the highest standards of integrity and professionalism in our relationship with our clients. Our two primary objectives are:1) to increase the value of our client's accounts 2) and to provide steady risk management. The Fleet Group believes that risk management and the protection of capital from major declines in the stock market like in 2000-2002 and again in 2008 and 2009 are our primary goals. We try to make sure that none of our clients experience any significant loss of principal in their investment accounts.