http://filippiniusa.com/ ...Ian Filippini explains why Why Working With a Professional Makes Good Sense. Investing is often a complex and confusing process. Even success can throw your investment strategy out of kilter. For instance, let's say you want to have 60% of your portfolio invested in stocks

1. Why Working With a Professional Makes Good Sense
You wouldn't think of being operated on by anything less than a board-certified surgeon. Or going into
court without qualified legal representation. Or even repairing your late-model car without a trained
mechanic. Then why do so many people believe they can manage their own financial affairs without
professional guidance?
Investing is often a complex and confusing process. Even success can throw your investment strategy
out of kilter. For instance, let's say you want to have 60% of your portfolio invested in stocks. If the
market does really well and you are realizing higher than expected returns on your stock investments,
after a couple of years you may find that you now have 80% of your portfolio invested in stocks, even
though you haven't changed a thing. Without rebalancing to your target asset allocation, you might find
yourself getting whipsawed by a volatile market, which happened to literally millions of investors in
2000 through 2002.
No matter what type of investor you are, it's crucial to keep your plan on track. Revisit your asset
allocation periodically (every year or so, depending on market conditions) to determine whether it
needs adjustment. You should also periodically re-examine your risk tolerance and investment profile,
especially as you get closer to your goal. You may discover you need to tweak your portfolio's risk
exposure over time.
Sitting down regularly to reassess your goals, time frame, and asset allocation allows you to fine-tune
your strategy, keep your risk within acceptable levels, and make sure you're on track. A skilled
professional can help you identify investments that not only achieve the greatest absolute return over
the years, but also subject you to the lowest overall taxes along the way. Your advisor will also show
you how to properly allocate investments among your various accounts and work with you to integrate
your investment and financial goals. A truly knowledgeable advisor will also help you stay abreast of
developments in the financial marketplace as innovative new products and services become available.
Just as you see your doctor for checkups, your lawyer for legal advice, and your mechanic for tune-ups,
consult a qualified financial advisor for financial planning.
http://filippiniusa.com
Material discussed is meant for general illustration and/or informational purposes only and it is not to
be construed as tax, legal, or investment advice. Although the information has been gathered from
sources believed to be reliable, please note that individual situations can vary therefore, the
information should be relied upon when coordinated with individual professional advice. Past
performance is no guarantee of future results. Diversification does not ensure against loss. Source:
Financial Visions, Inc.
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Ian Filippini is a Registered Representative offering securities and Advisory Services through
Independent Financial Group, LLC (IFG), a registered broker-dealer and investment advisor.
Member FINRA and SIPC. IFG and FFG are not affiliated. OSJ Branch: 12636 High Bluff Drive,
Suite 100, San Diego, CA 92130. Licensed to sell securities in the following states: CA. Licensed to

2. sell insurance in the following states: CA. CA Insurance License #0D95876. Filippini Financial Group,
Inc. and Independent Financial Group, LLC are independently owned and operated.