The HK Financial Method of Investing and Wealth Management
By Hillel Katzeff, President, HK Financial, Inc., MBA, CFP

Did you know?

The 4 Step Method addressing investor concerns:

STEP ONE - Develop a Financial Plan and Determine your Risk Tolerance:

Meet with your Certified Financial Planner® to discuss your financial objectives. If appropriate, develop a comprehensive financial plan based on your goals and objectives. Answer the 20 questions of our proprietary Investment Policy Assessment™ to determine your risk tolerance and time frame.

STEP TWO - Develop a Written Policy on how Your Assets are to be Managed:

Develop an Investment Policy Statement (IPS) to guide how your investments are to be deployed. The IPS guides your retirement and taxable accounts and is used under the Uniform Prudent Investor Act (UPIA) to guide investment practices of trust fiduciaries, and may include the four major asset classes:

Cash , Bonds , Stocks , and Tangibles

STEP THREE - Place your Assets in a Non-Discretionary Investment Managed Account:

Open a fee-based managed account and select the appropriate HK Financial, Inc. customized portfolio. You may select a portfolio designed to reduce investment volatility.

STEP FOUR - Determine How Your Portfolio Will be Monitored:

With the frequency of meeting and reviews determined in your Investment Policy, meet with your Certified Financial Planner® periodically to monitor your portfolio.

There are 5 investment components for Asset Allocation and Diversification:
a) Money Market Account (with check writing privileges) for liquidity
b) Municipal, Government, Corporate Bonds and Preferred Stocks for fixed income
c) Tax and cost effective Exchange Traded Funds (unmanaged index stocks) for appreciation potential
d) Non-Financial Tangible Investments such as Direct Participation Programs for added diversification
e) Help protect against downside risk with the daily inverse of the S&P 500 Index and NASDAQ 100 Index for portfolio protection

The S&P 500 Index is a grouping of the 500 largest US Exchange listed companies and is used to approximate the general stock market performance. The NASDAQ 100 Index includes 100 of the largest non-financial domestic companies across major industry groups. You cannot invest directly in either Index. Past performance is not indicative of future results.

For More Information call: (858) 550-0425 or email HillKat@hkfinancial.com

Securities offered through Pacific West Securities, Inc. Member FINRA/SIPC. Advisory services through Pacific West Financial Consultants, Inc.