Your Goals. Your Strategy. Your Investment Plan.

Your investments should be more than numbers on a statement. We build portfolios designed to help pursue your life’s biggest goals—today and into the future.

Markets go up. Markets go down. What matters is that your investment strategy is built around you—not just market trends.

At Premier Investments & Wealth Management, we believe investment management is:

Personalized — aligned to your risk tolerance, time horizon, and life goals.

Disciplined — driven by research, not emotions.

Integrated — coordinated with your overall financial plan, taxes, and estate goals.

Your wealth deserves a thoughtful, goals-based approach, not a cookie-cutter solution.

Our Philosophy

Designing A Portfolio For Your Goals

  • The Traditional Approach

    Risk Tolerance

    Most investment strategies start by measuring risk tolerance or how much volatility you’re emotionally comfortable with. It’s a standard industry practice that uses questionnaires and hypothetical scenarios to gauge your feelings about investment losses.

    While this can be a helpful starting point, it often centers more on emotion than on strategic fit. And emotions can change or be skewed based on the current market environment.

    For example, a person might say they’re aggressive during a bull market but feel very differently when faced with actual losses. Risk tolerance, while important, can sometimes lead investors to take on too little risk, leaving potential long-term growth on the table or too much risk, without considering if it’s necessary for meeting their goals.

  • Our Approach

    Risk Tolerance + Risk Capacity

    At Premier, we go beyond how you feel about risk and focus on how much risk your financial life can actually support. This is known as risk capacity.

    It considers your time horizon, income needs, assets, lifestyle, and the importance of each financial goal. Unlike risk tolerance, risk capacity is grounded in your reality, not hypothetical emotions.

    It helps us identify not just when you might be taking too little risk, but also when you may be taking more risk than you need to. If your goals can be met with a more stable, lower-volatility strategy, why expose your wealth to unnecessary market risk?

    Our goal is to align your investment strategy with your life strategy, so your portfolio works with your plan, not against it.

How We Manage Your Wealth

Understanding You

Every great portfolio begins with understanding your bigger picture.
We understand to your:

  • Financial goals

  • Risk tolerance and comfort level with volatility

  • Investment experience

  • Cash flow needs

  • Time horizon for different goals

Designing Your Investment Strategy

We craft a personalized investment strategy considering:

  • Asset allocation tailored to your goals and risk profile

  • Diversification across asset classes and sectors

  • Tax efficiency strategies

  • Sustainable or values-based investing preferences, if desired

Implementing Your Portfolio

Once your plan is designed, we execute your investment strategy with precision, using:

  • Carefully selected investments

  • Independent research and due diligence

Monitoring & Adjusting

Markets change—and so might your life. We:

  • Regularly review your portfolio performance

  • Rebalance your investments to maintain your target allocation

  • Update strategies to reflect tax changes, economic shifts, or changes in your personal situation

Our goal is to keep your investments working toward your unique objectives, regardless of market conditions.

Investing involves risk including loss of principal.

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a nondiversified portfolio. Diversification does not protect against market risk.

Rebalancing a portfolio may cause investors to incur tax liabilities and/or transaction costs and does not assure a profit or protect against a loss.