Welcome to The Broughton Investment Group, Inc.

At The Broughton Investment Group, we believe that transparency, clarity, and openness are essential to our clients. We believe that client education is paramount and essential to a successful partnership. Together, we explore a realistic process in achieving a successful financial plan.  

In today’s environment, financial management has become more complex. To achieve our goal, we utilize a financial plan. It helps us to visualize the current economic picture of our client and the strategy to improve on the current situation. The plan is an all-purpose tool that enables us to work together with our clients to make better financial decisions. 

We provide comprehensive financial planning services to those we serve. Part of our team’s approach is employing the six-pillars of financial planning, which includes cash flow analysis, risk management, investment planning, tax planning, retirement planning and estate planning. In simple terms, before making any recommendations, we look at a client’s financial profile, including tax, estate planning, insurance, risk tolerance, specific family circumstances, and ultimate financial goals.  

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  • What does an Investment Advisor do?

    An Investment Advisor generally provides discretionary investment management services consistent with a client’s goals and objectives for a designated portfolio and adds value in several areas: 

    • Helping the client identify life goals (e.g. wealth accumulation, education, retirement, estate planning) 

    • Projecting the cash requirements to achieve those goals 

    • Analyzing the available assets from which to meet the cash flow requirements 

    • Determining the client’s investment risk tolerance 

    • Selecting an asset allocation strategy that best matches the client’s goals with the funds available for investment and the client’s risk tolerance, liquidity needs and tax situation 

    • Helping clients with investment goals while minimizing taxes on capital gains and income 

    • Structuring and executing an investment plan to help achieve those goals 

  • What are the most important factors involved in choosing a professional investment advisor?

    We feel both risk management and low costs are two critical variables that should be emphasized when choosing someone to advise you on your investments. Investors should agree with the advisor's investment philosophy and feel comfortable with their quality and method of research and communication, as well as investment style. Here are some critical points to cover with a potential advisor to clarify and establish a solid mutual long-term understanding and relationship.

    1. Know your investment professional's experience and philosophy of investing.
    2. Make sure there is a communication and personality fit between you and your advisor.
    3. Ask if they have specific investment strategies designed to help and protect you during current market conditions.
    4. Ask and understand how your investment professional is compensated.
    5. Be honest about your current financial situation, goals, objectives, and risk tolerance.
    6. Ask about the services and limitations of your investment advisor.
    7. Schedule a regular financial check-up, to make sure you are on track or to make adjustments.
    8. Call when circumstances in your life change that may impact your investment strategy.
    9. Examine investment performance history, being sure to compare results obtained under particular market conditions, not just over a particular time frame.
    10. Be realistic in your expectations regarding the returns expected on your account in light of the overall performance of the broad market indices and your risk considerations.
  • What protection or safeguards do I have with my portfolio to protect the assets?

    Each custodian we work with has insurance (SIPC, FDIC, Lloyds of London, etc.) to protect your assets in the event your custodian has financial problems or goes out of business. We only work with custodians who are financially sound with the assurance that they are well-positioned within the financial services industry.

    Fiduciary: A fiduciary is a person or company that is legally appointed and authorized to act in the best interest of their clients. This duty extends in all aspects of conduct, from investing wisely to safeguarding private information. RIAs must put their clients interests in front of their own. This is a key difference between the independent RIA community and the traditional Broker/Dealers (BDs). BDs are only obligated to provide suitable investments, but those may not always be the best.

    Discretionary: Discretionary is a type of authority that allows us to buy and sell securities without client consent. However, as a fiduciary, RIAs are required to buy and sell securities that are in your best interest, and that are in line with your risk tolerance, objectives, and needs. At The Broughton Investment Group, Inc., we receive a limited discretionary authority on client accounts. "Limited" means we cannot add or move money from the account without your consent.

    Custodian: A custodian is a bank or financial institution that holds onto the client's investment assets. As independent RIAs, The Broughton Investment Group, Inc. works closely with many custodians to provide safety and security for our clients.

    Active Management: Active management is an investment philosophy that believes that through using key market technical indicators, decisions can be made on a daily basis as to where to best allocate your money. This requires a disciplined set of rules, procedures, and dedication to execute correctly. While active management is not always the best method of investing, at times it can prove far superior to the traditional buy-and-hold approach.

    Registered Investment Advisor (RIA): RIA is a legal term for investment advisors that are registered either with a state division of securities or with the Securities and Exchange Commission (SEC). RIAs have a fiduciary responsibility to its clients.