Investment Management

If you don't have the expertise, time, or interest to monitor your own portfolio, investment management may be the right solution for you.  Our investment team will work closely with you to assess your risk tolerance to determine the balance of risk and return objectives appropriate for you. 

As your advisors, we will identify and analyze constraints of your investment portfolio such as liquidity, investment horizon, taxes, and your unique needs.  Depending on your objectives and constraints, our professionals can create a personalized investment strategy that addresses several important issues such as asset allocation, diversification, risk, tax efficiency, and income generation. 

Kabarec Financial Advisors, Ltd. believes that only a long-term oriented and diversified investment approach will reward investors over a complete market cycle.  We use a top-down approach to analyze the macroeconomic environment before we choose the individual investments.  Aiming to deliver consistent returns over the long run, we proactively construct, monitor, and maintain your investment portfolio by deploying the following instruments.   

Investments may include:

  • Short-Term Cash Reserves
  • Fixed Income Securities
  • Individual Stocks
  • Mutual Funds
  • Exchange Traded Funds
  • Real Estate
  • Natural Resources
  • Venture Capital
  • International Securities
  • Market Neutral Securities
  • Separately Managed Accounts

A majority of client assets are held and invested through Charles Schwab & Co., Inc. 

It's About How Much You Keep!

As the old saying goes, "Nothing is certain but death and taxes."  Income tax planning cannot prevent the inevitable, but, in some instances, planning can postpone, reduce, or even eliminate taxes.  The fact is you may be able to preserve more of your taxable income with tax planning.

Using our extensive tax backgrounds, our goal is to uncover innovative ideas to help minimize your tax liabilities and, more importantly, maximize your after-tax cash flow.  Kabarec Financial Advisors, Ltd. is very focused on the tax impact of actions in your portfolio.  Throughout the entire year we keep our clients aware of changes that can make a substantial difference on their tax return.  These are just a few of the questions we address all year:

  • In which type of account should I hold stocks or bonds?  A taxable or a tax-deferred account?
  • Based on my marginal tax bracket, are tax-free (municipal) bonds an appropriate investment choice?
  • I have a capital loss carryover from my prior year tax return.  Should I consider selling investments that have unrealized gains in order to net the gains and losses?
  • How do I structure my portfolio to maximize my after-tax returns?
  • Are there any investments that can shelter my income? 
  • Have there been any changes to the tax code that will affect my tax return this year?