The 4-Step Investment Process

The 4-Step Investment Process

27 Dec 2021

Investing strategies are quickly evolving.  Truly measured investing approaches consider client goals as well as the state of the market, the temperature of the economy, and myriad other factors.  Diversification in terms of risk level and sector alone will not suffice.  

You need and deserve a well-planned and properly coordinated investment process followed by active weekly management.  Our full-cycle investing process provides exactly that.  


Is Your Investment Process producing the results you want? Contact McGervey Wealth Management and get on the right path!


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We strategically shift client funds to specific sectors and classes in accordance with the dynamics of the macro economy and the market.  Full-cycle investing strategically allocates funds for success regardless of whether the market conditions are bearish, bullish, or in between.  The financial advisors at McGervey Wealth actively manage client portfolios instead of setting them once and shifting our attention away, assuming the initial allocation will suffice.  

We firmly believe every client needs and deserves better than traditional asset allocation.  Balancing risk with reward is certainly important yet our unique investment process accounts for much more than maintaining such balance.

Step 1: Who are You/Goal Identification

You are certainly more than your bank account balance.  However, in the context of investing and wealth management, numbers are more important than anything else.  Your identity in the context of personal finance can be quantified.  Our investment advisors can provide holistic, comprehensive financial planning that accounts for your current financial status as well as your financial goals and eventual retirement.  

Meet with our investment advisors and we will discuss your financial picture as well as what is most important to you and your loved ones.  Our initial meeting will center on your financial goals and your unique vision for your future.  Risk tolerance is central in personalizing your investment plan.  

However, risk tolerance is only one piece of the puzzle.  Instead of resorting to conventional asset allocation models, our comprehensive financial planning team takes the path less traveled.  

Our irreverence for investing convention allocates client portfolios in accordance with the optimal sectors and asset classes based on whether the current period is characterized by inflation, reflation, stagflation, growth, and other factors.  Instead of attempting to make a quick buck on behalf of clients in the months and years ahead, we focus on the bigger picture, helping clients reach their retirement goals on schedule or sooner than expected.  Once this initial phase is complete, you’ll have a clear vision of what your financial future will look like.

Step 2: What do You Want/Plan Development

Now that your personal financial goals are crystal clear, it is time to start focusing on the small stuff.  We closely follow the market and the economy, liberating you to narrow your attention on earning money at work.  Our team will analyze your sources of income, cash flow, financial liabilities, assets, tax burdens, and other factors to develop a comprehensive financial plan.  

Your unique risk preference will be factored in when allocating funds into specific investment vehicles.  Our investment advisors also closely work with clients to determine if their goals jive with their unique risk tolerance.  This holistic and individualized approach sets the stage for the development of an overarching wealth plan that facilitates a gradual expansion of your financial nest egg, paving the most efficient path possible toward retirement.  

Once this second phase is complete, you really will feel that much more organized in terms of saving, investing, working, and planning for those glorious golden years ahead.

Step 3: How can You get There/Strategy Selection

Setting a retirement goal is the easy part.  The challenge lies in pinpointing the optimal strategies that make your vision your reality within years or decades.  Our investment advisors are here to do the work on your behalf.  We determine the sectors, regions, and investment vehicles that will benefit you the most.  

Our team also highlights specific sectors, regions, and strategies to avoid.  Above all, we prioritize investments with strong fundamental characteristics as we firmly believe aligning our clients’ financial futures with the best in class is essential to long-term success.

Strategy selection translates personal financial goals into actionable steps.  Our team is here to break down your financial plan in plain terms you can understand without years of experience in the financial planning industry.  

We even go to the extent of stress-testing plans under a wide array of conditions.  This approach provides a look at the impact of specific large-scale events on your portfolio.  Examples of such events include a lengthy bear market, a raging bull market, and/or another pandemic.  

Using your unique feedback, our fee-only CERTIFIED FINANCIAL PLANNER™ Professionals will tailor your idiosyncratic financial plan and specific investment allocations accordingly.  Once step three of our full-cycle investment process is complete, you will have a comprehensive understanding of your custom-tailored financial road map for the future.

Step 4: Where are You on your Journey/Transparent Communication

Your personally tailored investing plan and the specific strategies that shape the overarching plan are dynamic rather than static.  This means our team will continue to amend the overarching financial plan designed specifically for you as time progresses.  Think of your investing plan as an ever-evolving work-in-progress.  We will stay in contact with you to communicate plan changes, the incorporation of new strategies, and help you understand how your money is working for you.  

We communicate with clients based on their unique preferences, be it in-person, through video conferences, over the phone, or by e-mail.  Embrace these ongoing touch-points and you will keep your finger on the pulse of your financial plan and its gradual evolution.  

Recognize the fact that adjustments will be necessary as impediments inevitably arise, entrust our financial fiduciaries to make those changes on your behalf and you will rest easy knowing our team of experienced investment advisors are actively managing the full-cycle investing process on your behalf. 

Kick-Start Your Personalized Investment Plan Today

Our fee-only CERTIFIED FINANCIAL PLANNER™ Professionals take pride in making the complex simple in the context of investing.  We understand you may not have the time or energy necessary to learn about the nuances of investing.  

Instead of trying to mastermind the right investment process on your own, lean on our team to identify the right wealth management strategies on your behalf and execute them to perfection.  Meet with our financial advisors and we will translate complex financial concepts in plain terms you can understand without needing an MBA in finance.  

We provide each client with an investing plan tailored to their needs along with active portfolio management and clear reports that can be understood without a significant investment of time or a financial glossary.  

Our investment advisors make it easy for you to understand the big picture of investing without sinking your limited time and energy into sorting through page after page of monotonous details.  

Reach out to our fee-only fiduciary CERTIFIED FINANCIAL PLANNER™ Professionals in Ohio today to get the ball rolling on an investing plan personally tailored to your unique financial picture and investing goals.

At McGervey Wealth Management, we get to know you on a personal level and keep things simple, using common language everyone can understand. To learn more about our 4-step investment process and how it can benefit your finances contact us today.

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More About the Author: E. Michael McGervey, CFP®, CRPC®

Mike is passionate and skilled at helping clients solve complex financial challenges. He’s known for his thoughtful communication, educational approach, and exceptional customized service. Mike has been a sought-after source for financial television, magazines, and newspapers looking for insightful analysis. His expertise has been featured by CNBC, FOX Business and...