Please note our Huntsville office has moved to 305 Quality Circle NW Suite B, Huntsville, AL 35806. New Phone Number: 256-217-9909
Cris Wallace, CERTIFIED FINANCIAL PLANNER™

Cris Wallace, CERTIFIED FINANCIAL PLANNER™

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Investment and Wealth Management Services

Investment and Wealth Management in Huntsville AL

At WG Financial Group, we offer a full suite of investment and wealth management services geared towards the pre-retiree and retiree.  Our portfolio managers range from passive to active, depending on your needs.  While we are not big advocates of full blown active investment management, we do believe in more of what we call tactically passive, which involves quarterly rebalances with minor portfolio adjustments that we hope will achieve alpha for our clients.  

We also believe that your plan should drive your investment mix, not your bias.

Investment & Wealth Management in Huntsville AL
Invest For Long Term

Investment Management for Long Term Success

Investing is a long game- one that takes incredible patience and a strong stomach. In the game of baseball, there are nine long innings that must be played. The first two innings could be a complete disaster, while the last seven could save the game. Investing is similar in the fact that you could have a couple of bad years, but over the long haul, your investments come out ahead. We are strong believers in staying in the game. The more you’re in the game; the more likely you are to make returns.

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Portfolio Diversification

Harry Markowitz said it best, “Diversification is the only free lunch.”  Depending on your phase of life, but especially after you stop working, diversification can help protect from large market swings by having exposure to various asset classes by spreading out your assets to reduce exposure to one asset. Diversification can also help your portfolio to be more efficient, which can potentially help you achieve better risk adjusted rates of return over your retirement. It can also reduce the volatility of your portfolio and help smooth out the ride over time. 

Asset allocation and diversification may not protect against market risk, loss of principal or validity of returns.

Portfolio Diversification
Investment Fee Analysis

Investment Fee Analysis

There are over 7000 mutual funds and nearly 3000 ETFs out there today. With such a wide selection, it’s important to make sure you are picking funds that are priced right relative to the value you are seeking. Our fee analysis allows you to take a detailed look at each of the funds and their associated expenses, as well as reviewing your overall portfolio costs. In some cases, fees can detract from long term portfolio performance. Understanding your fees is a key part of your planning. 

“The price is what you pay, and the value is what you get.”
– Warren Buffet 

Sequence of Returns

Many retirees fear running out of money, while most ignore and don’t fully understand one the biggest mathematical risks that exists today- Sequence of Returns.  While we are working and saving money, returns will average out the same, no matter when they occur.  Where many retirees fail to plan is help protect their plans from sequence risk. The risk is we don’t know when poor returns will happen. 

Pulling money from a volatile portfolio can make it harder for the portfolio to recover and can increase the risk of running out of money earlier than expected.

Sequence of Returns

Insurance products are offered through the insurance business WG Financial Group. WG Financial Group is also an Investment Advisory practice that offers products and services through AE Wealth Management, LLC (AEWM), a Registered Investment Advisor. AEWM does not offer insurance products.  The insurance products offered by WG Financial Group are not subject to investment Advisor requirements.

Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. None of the information contained on this website shall constitute an offer to sell or solicit any offer to buy a security or any insurance product.

Any references to protection benefits or steady and reliable income streams on this website refer only to fixed insurance products. They do not refer, in any way, to securities or investment advisory products. Annuity guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Annuities are insurance products that may be subject to fees, surrender charges and holding periods which vary by insurance company. Annuities are not FDIC insured.

Neither the firm nor its agents or representatives may give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any purchasing decisions. WG Financial Group has a strategic partnership with tax professionals and attorneys who can provide tax and/or legal advice.

The information and opinions contained in any of the material requested from this website are provided by third parties and have been obtained from sources believed to be reliable, but accuracy and completeness cannot be guaranteed. They are given for informational purposes only and are not a solicitation to buy or sell any of the products mentioned. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation.

Any media logos and or trademarks contained herein are the property of their respective owners and are not an endorsement by those owners of our firm. Your Retirement Matters on WVNN & WBHP are paid placements. 1897462-1/24