Investments

Sommers Financial Management customizes each client's portfolio allocation, diversifying among seven different asset classes based on time horizon and risk tolerance. The asset classes below are arranged from low-volatility assets to higher-volatility assets, followed by the socially responsible investments in which we invest client funds. Click on a class to find out which sub-classes and investment vehicles Sommers Financial Management utilizes in client accounts.

 

Short Term/Liquid
A money market/savings account alternative. It is also where we suggest clients store their 3-6 month emergency reserves.
   
 

Fixed Income
Bonds and preferred stock, both domestic and international issuers, both corporate and government issuers, and includes both investment grade and high-yield debt.
   
 

Alternatives
Investments not highly correlated with stock and bond markets.
   
 

Inflation Hedges
Investments that should keep pace with rising costs, such as real estate, inflation- protected bonds, and commodities.
   
 

Large U.S. Stocks
Generally, investments in the common stock of U.S.-based companies with market capitalization of more than $15 billion.
   
 

Small U.S. Stocks
Generally, investments in the common stock of U.S.-based companies with market capitalization of less than $15 billion.
   
 

International Stocks
Investments in the common stock of companies based outside the United States, in both developed and emerging markets.
   
 

Socially Responsible Investments
For those clients who like to screen their investments for certain social criteria, we offer management of a portfolio of socially responsible investments.