Our Philosophy
Grady Financial Network believes in listening to, educating, and involving our clients in the financial planning process. Our mission is to create an interactive plan of action to empower people in their efforts to accumulate wealth, leave a legacy, and enjoy life. Our clients are individuals, families, and business owners who are preparing for retirement and need financial advice as well as retirees with income concerns. We work hard to be a trusted source of knowledge committed to helping educate our clients to make smart decisions with their money, retire on their own terms, and to create a lasting legacy for their loved ones.
For those transitioning into retirement, the financial focus shifts from saving to spending and income management. The advisors at Grady Financial Network provide the financial acumen needed to create a prudent income distribution plan incorporating our clients’ unique retirement goals, objectives, and preferences. We employ the latest financial technology, using a retirement income strategy which has been time tested with “real life” retirees. It is based on principles that utilize the popular bucket or time-segmented income approach, breaking down an overall investment strategy into five-year segments with progressive requirements and rate of return goals for each time period. The performance of each segment is tracked and compared to stated goals which can result in the reallocation of assets in an effort to reduce exposure to risk over a client’s lifetime. Our clients can enjoy retirement knowing that they have a dynamic strategy and a solid plan for their assets.
Investment Philosophy
We steward investment capital for individuals and families.
Our clients are faced with a continuously changing, uncertain world as well as their own unique needs and financial pressures. We strive to serve them with excellence through a principled investment decision-making process, rooted in evidence, that is:
- Grounded in a fundamental understanding of how value creation works in the real economy.
- Diversified against multiple dimensions and sources of risk.
- Mindful of opportunity cost, taxes, fees, and other portfolio constraints.
- Respectful of each client’s values and pursues portfolio alignment where appropriate.
- Patient and allows the long-term compounding process to work.
These principles guide our ability to deliver a successful investment experience to our clients and provide a framework for how we strategically access capital markets when constructing portfolios.
Our Core Principles that influence portfolio construction and strategy selection:
- Adaptive Markets | Capital markets are continuously progressing toward efficiency. As market participants continually look to improve their edge, market prices become increasingly efficient.
- Fundamental Approach | Human productivity and the stewardship of capital are the foundations for sustainable investment returns. Understanding how an investment creates persistent value in the real economy is fundamental to evaluating its return and risk profile.
- The Capital Allocator’s Role | An Investor’s Objectives should be represented with a transparent policy benchmark to define opportunity cost. This enables the advisor to make cost conscious, top-down decisions in constructing a core portfolio with a secondary goal of improving outcomes by introducing alternative sources of return.
- Broad Diversification with a Quality Filter | Broad diversification across securities and asset types is the first line of defense against major portfolio risks of permanent loss of capital, erosion of purchasing power through inflation, and the inability to timely access capital.
- Faith and Values Integration | Fiduciary alignment and education empower investors to align their portfolios with their convictions and steward their capital’s influence. Also, care must be taken to avoid misappropriating that influence for a third party’s agenda.
- Patience as a Behavioral Edge | Often, the hardest part of investing is to wait for a strategy to create value. Overreacting to a short-term setback is the easiest way to interrupt a portfolio from compounding wealth. Investors who can avoid this can leverage an edge into long-term outperformance relative to peers.
