For investors who want a packaged option, First Mid Wealth Management (FMWM) has developed a line of investment strategies to choose from, ranging from lower- to higher-risk levels.
We use the following methodology when constructing investment options to help ensure you meet your financial goals:
Build Asset Allocation Strategies
After reviewing current market trends and the economic outlook, we seek to design efficient allocations using multiple asset classes in order to provide a balance of risk and return, tailored to your needs. These asset allocation choices are important.
Construct the Strategy
FMWM’s Trust Investment Committee chooses investment managers to fill each component of your asset allocation. Managers are screened and hired based on who we believe has demonstrated the ability to add value. Because we treat asset allocation as a distinct step in the process, we can combine managers in ways that help avoid unintentional biases in the strategy (i.e., toward growth or value).
Monitor Progress and Adjust as Needed
FMWM’s Trust Investment Committee monitors each element of the program to help ensure your account stays true to the original investment philosophy over time. Given that performance will vary among asset classes over time, we periodically rebalance your portfolio to your objective’s target asset allocation.
Types of Investment Strategies
- Target allocation 26% Equity/74% Fixed Income
- Strategy focuses on income generation and preservation of capital while attempting to minimize volatility
- Ideal for investors who wish to preserve capital with a slight hedge against inflation; clients with a short investment time horizon
- Target allocation 44% Equity/56% Fixed Income
- Designed to mitigate volatility, moderate income generation
- Ideal for investors who wish to lower volatility but who are also seeking moderate growth; those with a time horizon including a few years before retirement
- Target allocation 62% Equity/38% Fixed Income
- Ideal for investors who wish to seek growth while maintaining a fixed income element to help preserve capital in a market downturn; those with several years in their investment time horizon
Growth with Income Strategy
- Target allocation 80% Equity/20% Fixed Income
- Ideal for investors who wish to primarily seek growth while maintaining a moderate fixed income element to help reduce volatility in the event of a market downturn; those with enough income-producing years to handle some risk of ups and downs
- Target allocation 99% Equity/1% Fixed Income
- Ideal for investors who wish to maximize return potential through a well-diversified but aggressive strategy; those with a long investment time horizon that can withstand full participation in multiple market cycles
How can I get started?
Call 1-888-518-7878 or e-mail us today!
Every investor’s situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. Diversification and asset allocation do not ensure a profit or protect against a loss. Past performance may not be indicative of future results.
Some investment products and services are not deposits, obligations or guaranteed by the bank; not insured by the FDIC or any other governmental agency, and may be subject to investment risk including potential principal loss.
Securities are offered through Raymond James Financial Services, Inc. member FINRA / SIPC, an independent broker/dealer, and are not insured by FDIC or any other bank insurance or government agency, are not deposits or obligations of the bank, are not guaranteed by the bank, and are subject to risks including the possible loss of principal. Raymond James Privacy Notice.
Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.
First Mid Bank & Trust and First Mid Wealth Management are not registered broker/dealers and are independent of Raymond James Financial Services. Investment advisory services offered through Raymond James Financial Services Advisors, Inc.
Links are being provided for information purposes only. Raymond James is not affiliated with and does not endorse, authorize or sponsor any of the listed websites or their respective sponsors. Raymond James is not responsible for the content of any website or the collection or use of information regarding any website’s users and/or members.
Check the background of this firm on FINRA’s BrokerCheck.
The above represents target allocation of the advertised strategies. Individual clients accounts may vary from the allocation over time based on various factors, including the clients unique circumstances.
Any opinions are those of the Investment Manager(s) and their team and not necessarily those of Raymond James. Opinions are subject to change at any time without notice. Content provided herein is for informational purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security outside of a managed account. This should not be considered forward looking, and does not guarantee the future performance of any investment.
All investments are subject to risk, including loss. There is no assurance that any investment strategy will be successful. Asset allocation and diversification does not ensure a profit or protect against a loss. It is important to review the investment objectives, risk tolerance, tax objectives and liquidity needs before choosing an investment style or manager.
This Fact Sheet is not intended to be a client-specific suitability analysis or recommendation. Do not use this as the sole basis for investment decisions. Do not select an investment strategy based on performance alone.
The individual(s) mentioned as the Investment Manager(s) are Financial Advisors with Raymond James participating in a Raymond James fee-based advisory program. This is an investment advisory program in which the client’s Financial Advisor invests the client’s assets on a discretionary basis in a range of securities. Raymond James investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be suitable for you.
In a fee-based account clients pay a quarterly fee, based on the level of assets in the account, for the services of a financial advisor as part of an advisory relationship. In deciding to pay a fee rather than commissions, clients should understand that the fee may be higher than a commission alternative during periods of lower trading. Advisory fees are in addition to the internal expenses charged by mutual funds and other investment company securities. To the extent that clients intend to hold these securities, the internal expenses should be included when evaluating the costs of a fee-based account. Clients should periodically re-evaluate whether the use of an asset-based fee continues to be appropriate in servicing their needs. A list of additional considerations, as well as the fee schedule, is available in the firm’s Form ADV Part 2 as well as the client agreement.
Every type of investment, including mutual funds, involves risk. Risk refers to the possibility that you will lose money (both principal and any earnings) or fail to make money on an investment. Changing market conditions can create fluctuations in the value of a mutual fund investment. In addition, there are fees and expenses associated with investing in mutual funds that do not usually occur when purchasing individual securities directly.
These strategies may contain Exchange Traded Funds (ETF) and/or Mutual Funds. Investors should carefully consider the ETF and mutual fund investment objectives, risks, charges, and expenses before investing. The prospectus contains this and other information and can be obtained from the ETF or Mutual Fund sponsor as well as from your financial advisor. The prospectus should be read carefully before investing.
ASSET CLASS RISK CONSIDERATIONS
Equities: Investors should be willing and able to assume the risks of equity investing. The value of a client’s portfolio changes daily and can be affected by changes in interest rates, general market conditions and other political, social and economic developments, as well as specific matters relating to the companies in which the strategy has invested. Companies paying dividends can reduce or cut payouts at any time.
Fixed Income: All fixed income securities are subject to market risk and interest rate risk. If fixed income securities are sold in the secondary market before maturity, an investor may experience a gain or loss depending on the level of interest rates, market conditions and the credit quality of the issuer. There is an inverse relationship between interest rate movements and bond prices. Generally, when interest rates rise, bond prices fall and when interest rates fall, bond prices generally rise. Please note these strategies may be subject to state, local, and/or alternative minimum taxes. You should discuss any tax or legal matters with the appropriate professional.