12555 High Bluff Drive, Suite 205
San Diego, CA 92130
phone: 858.755.3838
toll free: 800.479.4001
fax: 858.794.9770
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The Investment Planning Process

The success of an investment portfolio is directly tied to the investment plan that is personally developed for you, our client. A thorough investment plan is vital to the implementation of any investment strategy and is the blueprint for your investment allocation. In the investment planning process, your financial planner learns more about you, your tolerance for risk, your investment time horizon, as well as your financial goals and objectives. With this information, your advisor can develop a personalized asset allocation investment plan. Our investment planning process will help you build a diversified portfolio and put you on the right path as you work towards reaching your personal goals. This is accomplished through a creating a properly diversified asset allocation investment plan with the appropriate money managers. Your financial advisor will work with you to make sure you stay on track.


You've heard the old investment adage, "Don't put all your eggs in one basket." It's good advice, and diversification is the key strategy to prevent you from making this mistake. The main goal of diversification is to reduce the impact of market volatility. Diversification, which should be at the core of any well-planned investment strategy, is primarily a defensive type of investment plan. Depending on your investment goals and tolerance for risk, your strategy may emphasize one type of investment over another. But overall, your plan should be professionally diversified. That's because no single type of investment performs best under all economic conditions. A diversified investment portfolio seeks to weather the varying economic cycles, bull and bear markets and improve the trade-off between risk of loss and expected long-term investment returns. Of course, diversification cannot entirely eliminate the risk of investment losses, and does not guarantee a profit.

An investment portfolio consisting of twenty different technology stocks is not diversified. Diversification means allocating your funds among different assets classes, such as stocks, bonds, real estate, and readily-available liquid assets. Through the asset allocation process, diversification is achieved. For instance, suppose your portfolio consisted entirely of bonds. Your money would be at significant risk if interest rates rise since bond prices generally fall when rates increase.

Diversification also means not tying up all your funds in long-term investments. You'll need to keep a certain amount of money easily accessible. Money-market accounts, savings accounts or short-term certificates of deposit (CDs) should be used for unexpected expenses, and short-term goals such as buying a car or paying income taxes.

Through dollar-cost averaging, a process of investing on a monthly basis instead of all at once, you can spread the risk over both good and bad markets. Using dollar cost averaging does not assure a profit and does not protect against a loss in a declining market. This investment method involves continuous investment in securities regardless of price levels. An investor should consider their financial ability to continue investing through periods of low price levels.

Assett Allocation

Asset Allocation is the process of determining what proportions of your portfolio holdings are to be invested in the various asset classes, such as large cap growth stocks, small cap value stocks, real estate, corporate bonds, tax-exempt municipal bonds, government bonds, etc. Development of a personalized Asset Allocation Plan provides a disciplined and systematic approach to investing. It guides you from defining your personal investment objectives to determining a suitable portfolio.

The Mohr Financial Group will help you develop an asset allocation investment plan that serves as the blueprint needed to build your investment portfolio. The asset allocation plan developed for you is based on the Nobel-Prize winning concepts of Modern Portfolio Theory which simply states that through intelligent diversification you can appropriately manage many investment risks. Gains in one investment may help offset losses in another. Diversification through an asset allocation plan is a useful technique that can manage overall portfolio risk and volatility. It must be noted that asset allocation does not guarantee a profit nor protect against a loss.

Through this process, we will evaluate which investment vehicles are appropriate and which money managers we wish to hire. With your personalized asset allocation investment strategy firmly in place, we begin the selection process of specific investment management programs and investment vehicles to achieve your objectives. After the implementation of a diversified asset allocation plan, we will meet on an annual basis to thoroughly review the performance of your portfolio and make any needed adjustments. This financial review meeting is critical to staying on track to assure you’re addressing your financial and retirement goals.

Money Managers

Money managers are the investment advisors who make the day-to-day investment decisions regarding a selected investment program. It could be the money managers of a mutual fund investment or the manager of a commercial real estate investment. The Mohr Financial Group does not represent any one particular money manager; we act on your behalf, providing access to a broad universe of institutional money management firms. On an annual basis, we analyze the money managers’ performance, and during this review meeting we determine if any adjustments to your portfolio are needed. This extra layer provides additional oversight for your investment portfolio. We keep an independent objective eye on security selection, asset allocation, sector weighting, style drift, and tax events.

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification and asset allocation do not protect against market risk. All investing involves risk including loss of principal. No strategy assures success or protects against loss