Wealth Management

Wealth Management

Taking a Disciplined Approach 

A clear investment process, combined with years of experience, leads to better investment decisions. Your advisor will guide you through a discovery process to determine what type of investor you are and then together we will tailor the right investment mix to accommodate your risk tolerance and stated goals. To that end, Scholar has crafted a detailed process to ensure you receive high-quality and consistent service. Your advisor will help you:

  • Establish investment objectives based on your individual goals
  • Customize your portfolio around your objectives
  • Ongoing reviews and rebalancing to ensure your portfolio stays on course
  • Communication through your personal portal, email, meetings and timely articles and newsletters.

Your customized portfolio is designed using both in-house and external research, and will be diversified across a variety of market sectors and a broad spectrum of investment products that may include: 

  • Stocks, Bonds, Mutual Funds, ETFs, UITs and CEFs
  • Pensions, 401k, IRA, SEP, 403b, Roth
  • Municipal Bonds and other tax efficient investments
  • Variable, Fixed and Index Annuities
  • 529 Plans, UGMA & Trust Accounts

 "Markets invariably move to undervalued and overvalued extremes because human nature falls victim to greed and/or fear."
 Bill Gross

Much of economic and financial theory is based on the notion that individuals act rationally and consider all available information in the decision-making process. However, numerous academic studies have shown that investors frequently exhibit irrational behavior and make repeated errors in judgment in regards to investing. A field known as "behavioral finance" has evolved that attempts to better understand how emotions and cognitive errors influence investors.

  • Case Study – Too Many Eggs in the Company Basket

John was an executive at a Fortune 500 company and his wife Sally took care of their two children. John contributed to his company’s 401(k) plan, participated in the company profit-sharing plan and received company stock options. His stock options accounted for much of his wealth and his company's profit-sharing plan was also invested in the company stock. The lack of diversification did not bother John because his company was one of the 10 largest companies in the S&P 500, and as part of management he saw how well the company was run.

During the bear market of 2001-2002 the company stock plunged more than 85%, dealing a painful and unexpected blow to John’s financial situation.

With proper planning, John may have taken steps to reduce his over-exposure to his company. Scholar Wealth Management helps people avoid common investment mistakes such as this one. Scholar firmly believes that diversification is a prerequisite to successful investing, without which all other principals are rendered ineffective.*


*Diversification does not insure profit or guarantee against loss. 

This communication is strictly intended for individuals residing in the states of NJ, NY, CT, AZ, CA, DC, FL, GA, MA, MD, NC, NM, OH, OR, PA, SC, TN, TX, VA and WA.

No offers may be made or accepted from any resident outside the specific states referenced.