Personalized Investment Strategies Aligned with Your Goals

We create tailored investment plans that match your financial objectives and risk comfort to help you build lasting wealth.

Investment strategies built around your goals and comfort with risk

Our approach centers on managing risk carefully while aligning investments with your unique financial objectives. We prioritize steady progress over quick gains to protect your assets through market fluctuations.
By focusing on your personal situation and regularly reviewing your tax returns, we tailor strategies that keep more of your money working for you. This client-focused method helps reduce emotional decision-making and builds confidence in your financial path.

Guiding Principles Behind Our Investment Strategies

Our Investment Strategy Process

Step 1: Understand Your Financial Landscape

Comprehensive Financial Review

We begin by analyzing your current financial situation, goals, and risk tolerance to create a clear foundation.

Step 2: Develop a Customized Plan

Tailored Investment Blueprint

Next, we design an investment strategy that aligns with your objectives and adapts to market conditions.

Step 3: Implement and Monitor

Active Management and Review

Finally, we execute your plan and continuously monitor performance, adjusting as needed to keep you on track.

Our Risk-Driven Investment Process | University Financial Strategies
Quantified Confidence

Our Investment Process: Investing with Your Risk Number®

We believe that risk is quantifiable. Our partnership utilizes the Nobel Prize-winning framework of Riskalyze (Nitrogen) to build custom portfolios precisely aligned with your personal comfort zone.

The Four Steps to Fearless Investing

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1. Determine Your Risk Number®

We start with a quantitative assessment to pinpoint your true emotional tolerance for risk on a scale of 1 to 99. This removes subjective terms like "moderate" and establishes a crystal-clear baseline for decision-making.

Get Your Risk Score Here
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2. Analyze Your Current Portfolio

We calculate the Risk Number of your existing investments. By analyzing historical data and the 95% Historical Range™, we objectively show the potential downside risk you are *actually* taking.

Upload Current Investment Statement For Analysis
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3. Customize for Alignment

We design a custom portfolio where the portfolio's Risk Number directly aligns with your personal Risk Number. This critical alignment sets clear expectations and acts as a financial "speed limit."

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4. Provide Behavioral Coaching

During market volatility, we serve as your coach, using your Risk Number as an objective anchor. This prevents fear-driven decisions, helping you stay the course and achieve your long-term goals.

Risk Alignment for Every Phase of Life

The Accumulation Phase (Growth)

During your prime earning years, the focus is maximizing growth potential while ensuring you can stomach the necessary market volatility.

  • We determine the highest Risk Number you can tolerate without panicking.
  • Portfolios are structured for efficient growth, utilizing the **Nitrogen GPA™** metric.
  • The Risk Number serves as a guide to strategically scale risk up or down as your goals evolve.

The Distribution Phase (Preservation)

As you enter retirement, the primary goal shifts to reliable income and capital preservation. Downside risk becomes the critical metric to manage.

  • We manage portfolios with a precise Risk Number tailored to your comfort level to protect against devastating losses.
  • The **95% Historical Range™** defines the maximum loss you could expect, ensuring withdrawal plans remain viable.
  • We proactively review your Risk Number during major life changes to maintain confidence and security.

Are You Truly Invested Fearlessly?

1. Uncertainty Check: Have you ever felt uncertain, especially during market downturns, about exactly how much risk you're actually taking?

2. Alignment Gap: If you don't know your objective **Risk Number** (on a scale of 1–99), how confident can you truly be that your current investments are aligned to help you achieve your goals without crossing your personal "danger zone"?

3. Clarity & Control: If we could give you a clear, single number to define your exact comfort zone—backed by Nobel Prize-winning science—would understanding that number make you feel more in control and **fearless** about your financial future?

Stop guessing. Start investing with objective certainty.

Get Your Free Risk Number Assessment

(Takes less than 5 minutes, completely confidential.)

© 2025 University Financial Strategies. All rights reserved. Investment advice utilizes the Riskalyze (Nitrogen) methodology for risk alignment.

Investment Strategy FAQs

Find clear answers to common questions about how our investment strategies align with your financial goals and risk preferences.

  • How do you tailor investment strategies to individual goals?

    We assess your financial objectives, risk tolerance, and timeline to create a personalized plan that fits your unique situation and adapts as your needs evolve.

  • What role does risk management play in your strategies?

    Risk management is central to our approach. We balance potential returns with your comfort level to protect your investments from unnecessary volatility.

  • How often do you review and adjust investment plans?

    We conduct regular reviews, at least annually or when significant life changes occur, to ensure your strategy remains aligned with your goals and market conditions.

  • Can I access your services remotely?

    Yes, all consultations and meetings are conducted via Zoom, allowing you to receive expert advice from the comfort of your home or office.

  • What makes your investment approach different?

    Our method integrates the Baby Step process with active tax planning and emotional discipline to help you make confident, informed decisions.

Still Have Questions?

Contact us to discuss your specific concerns and learn how our strategies can support your financial journey.

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Connect with a financial advisor who prioritizes your goals and risk comfort.

Schedule your personalized consultation today and take the next step toward financial clarity.