Investment Planning

Investment Planning

At Clayton Financial Group (CFG), we take pride in providing our clients with personalized and comprehensive investment planning services. As a Registered Investment Advisor (RIA) professional services firm, we aim to help you achieve financial independence by designing and implementing a customized investment strategy that aligns with your financial objectives and risk tolerance.


Understanding Your Financial Goals and Investment Philosophy

The first step in our investment planning process is understanding your unique financial goals and philosophy. We recognize that every individual has a different set of circumstances, and our dedicated team works closely with you to establish a clear understanding of your financial objectives, risk tolerance, and investment preferences. This information serves as the foundation for developing an investment policy outline that prescribes your unique investment philosophy.


Defining Your Financial Independence

Financial independence can mean different things to different people. For some, it may mean having enough passive income to cover all living expenses. For others, it might be the ability to retire comfortably or leave a legacy for future generations. As part of our investment planning process, we help you define what financial independence means to you and establish realistic long-term goals to achieve it.


Evaluating Your Risk Tolerance

An essential component of any investment strategy is understanding and managing risk. At CFG, we systematically evaluate your risk tolerance by considering factors such as your age, financial situation, investment horizon, and personal attitude toward risk. This assessment helps us design an investment strategy that balances risk and potential returns, ensuring that your portfolio is tailored to your unique needs and preferences.

Our Disciplined Due Diligence Process

At CFG, we follow a disciplined due diligence process that combines quantitative and qualitative analysis to structure our investment recommendations. This process allows us to identify the most suitable investment options and funds for your specific situation and goals.

Active, Passive, and Evidence-Based Strategies

Our due diligence process encompasses various investment strategies, including active, passive, and evidence-based (i.e., Dimensional Fund Advisors) approaches. We can create a customized investment plan that caters to your unique requirements and preferences by considering a broad range of investment options and strategies.

Access to a Wide Range of Investment Options

We have access to hundreds of investment options and funds, enabling us to construct a diversified and well-rounded portfolio that allows our clients to make the best use of their resources. In addition, our independent and unbiased approach ensures that our investment recommendations are based exclusively on what is in your best interest, without any external influences or conflicts of interest.

Customized Asset Allocation Strategy

Based on Modern Portfolio Theory, and incorporating your age and risk profile, our team at CFG constructs a customized asset allocation strategy designed to help you achieve your financial goals. This strategy involves determining the optimal mix of assets, such as stocks, bonds, and cash, to maximize returns for a given level of risk.


Portfolio Diversification

An essential aspect of our asset allocation strategy is portfolio diversification, which involves spreading your investments across various asset classes, sectors, and geographical regions. This approach helps minimize risk by reducing the impact of any single investment or market event on your portfolio's overall performance.

Periodic Portfolio Rebalancing

We regularly review and rebalance your investments to ensure that your portfolio remains aligned with your financial goals and risk tolerance. This process involves adjusting your portfolio's asset allocation to maintain the desired level of risk and return, considering any changes in your financial situation or market conditions.


Ongoing Portfolio Monitoring and Review

At CFG, we believe in maintaining a long-term partnership with our clients, providing ongoing support and guidance throughout their financial journey. We generally meet semi-annually to review your portfolio performance and make any necessary modifications based on changes in your financial situation or market conditions. Outside of these formal meetings, we are always available to meet on a mutually-agreeable schedule to discuss your investment plan and address any concerns or questions you may have.

Comprehensive Financial Planning Services

In addition to our investment planning services, we offer a wide range of financial planning services to help you navigate various aspects of your financial life. These services include:

  • Financial planning
  • Retirement planning
  • Estate planning
  • Wealth management
  • Budgeting
  • Debt repayment
  • Insurance


We aim to help you achieve a holistic and secure financial future by providing comprehensive financial planning services.

Choosing the Right Financial Advisor

When considering investment planning services, it's essential to consider the relationship attributes you desire from a financial advisor. Some questions to consider include:

  • How do I define "financial independence"?
  • What degree of risk do I need to take in my portfolio to achieve my personal goals and objectives?
  • What relationship attributes do I desire from a financial advisor?

The CFG Difference

At Clayton Financial Group, we make an exceptional effort to get to know each client and their family. We offer unbiased, objective investment advice to grandparents, parents, and children, treating every client like we would treat our own family members. In addition, our commitment to providing the highest standard of financial planning and investment management services ensures that you are set up for financial success.


Choosing the right investment planning services can significantly impact your financial future. At Clayton Financial Group, our personalized approach, disciplined due diligence process, and comprehensive financial planning services ensure you receive the best possible advice and support to achieve your financial goals. Please contact us today to learn more about our investment planning services or schedule a consultation.

Share by: