Core Strategies | Verismo Financial

OUR STRATEGIES

At Verismo Financial, we have an investment approach that we call PEG—Preserve, Earn and Grow. The PEG approach is a straightforward and conservative method for managing wealth. The team personalizes your exposure to different asset classes based on a client's personal circumstances, including income needs. By segmenting the assets, we aim to provide a level of comfort through the ups and downs of a market cycle. Short-term cash needs can be addressed, income needs can be generated and long-term view can be taken for stock market behavior.

Preserve

The intent of the strategy Preserve is to allocate into low-risk, short-term investments. These funds are intended for potential cash needs. In the event of a market downturn, having sufficient capital in this lower risk space reduces the likelihood of a forced divestment of other investments at an inopportune time

Earn

The intent of the strategy Earn is to allocate into a wide variety of income-producing funds and securities. The dividends and distributions can be withdrawn to replace or supplement a paycheck, or reinvested into the portfolio. While the portfolio’s value can be volatile at times, the overall income is designed to be stable and predictable.

Grow

The intent of the strategy Grow is to allocate into the domestic and international stock markets using ETF’s (exchange traded funds). These investments are exposed to the largest amount of risk, but have also provided excellent historical returns. Ideally, these funds are not needed for imminent cash needs, and can continue to compound their growth. Investments in ETF’s are low-cost and extremely liquid relative to many types of investments, especially those in foreign markets. Past performance is not guarantee of future results.

Exchange-Traded Funds are subject to risks similar to those of stocks. Investment returns may fluctuate and are subject to market volatility, so that an investor’s shares, when redeemed, or sold, may be worth more or less than their original cost. Exchange Traded funds may yield investment results that, before expenses, generally correspond to the price and yield of a particular index. There is no assurance that the price and yield performance of the index can be fully matched.

The advisory program is not designed for excessively traded or inactive accounts and is not appropriate for all investors. Please carefully review the Wells Fargo Advisors advisory disclosure document for a full description of our services. The minimum account size for this program varies.

Investments in fixed-income securities are subject to market, interest rate, credit and other risks. Bond prices fluctuate inversely to changes in interest rates. Therefore, a general rise in interest rates can cause a bond’s price to fall. Credit risk is the risk that an issuer will default on payments of interest and/or principal. This risk is heightened in lower rated bonds. If sold prior to maturity, fixed income securities are subject to market risk. All fixed income investments may be worth less than their original cost upon redemption or maturity.