Investment Planning

We believe…

  1. Diversification to reduce risk
  2. Keeping costs reasonable
  3. Index Investing


  1. Our clients worked hard to accumulate their assets
  2. Fees reduce your rate of return
  3. Index investing provides low cost, immediate diversification

Your investment goals are unique. They may be long term, like generating income to support your standard of living for the next 30 years. They may be short term such as saving for a large purchase. Growing your wealth is important to be able to retire with financial confidence, but you may still be concerned about protecting against losses and how to generate a sustainable income.

Most people who come to our firm have a combination of IRAs, 401(k)s, 403(b)s, or other retirement accounts. Inside of these accounts you can choose among various investments to seek a rate of return. Investment management addresses an individual’s investment goals, asset allocation, and the suitability of different types of securities in relation to your risk tolerance, timeline and cash needs.

Investable asset management involves, among other things, the choice of securities for your investment portfolio(s). Basic securities are stocks, bonds, ETFs and mutual funds. Annuities, index strategies, short-term assets, and cash instruments are also used to optimize your portfolio.

At Bowman Financial Strategies we believe that index investing is the approach of choice. For many IRAs, we use ETFs as the primary type of investment. Compared to most mutual funds, ETFs provide immediate diversification and track index performance at a lower cost. In addition, most (96%) mutual funds don’t meet or exceed the returns of the indexes they intend to beat.

In addition to ETFs, when evaluating and selecting investment strategies, we look for allocation strategies with mechanical, transparent formulas to manage the makeup of the account.  Emotional investing can lead to poor outcomes.

Most investors understand that as risk increases, the potential for return also increases. Likewise, as risk is reduced, so is the potential rate of return. Our goal is to find the right mix for your portfolio to maximize your return while providing risk appropriate for your situation.

Our philosophy is that a successful investment portfolio includes a good “offense” and a good “defense.” Knowing that bear markets are inevitable, we’ll discuss various alternatives that will enable us to proactively address sources of risk.

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