We can help prepare you for whatever lies ahead.
Your financial needs and goals evolve during life's journey. Our LifeNeeds™ investment process utilizes proven strategies and techniques delivered by a highly-trained staff of wealth management professionals.
We’re investors, not speculators. We’re not here to try and time the market; we’re here to achieve the best possible long-term results by enhancing risk-adjusted returns with asset allocation, using efficient funds to reduce real client costs, and rebalancing your portfolio at least once a year.
Our process is built around four fundamental elements designed to ensure your plan meets your LifeNeeds™.
Idaho Trust Wealth Management takes a holistic approach to understanding your personal needs and financial goals. We spend time to get to know you. We conduct a LifeNeeds™ Investment Assessment to determine your:
- Personal Situation
- Income Needs
- Life Goals
- Risk Tolerance
- Tax Considerations
Idaho Trust creates a LifeNeeds™ Investment Plan based on the results of our assessment process. It is optimized to balance appropriate levels of risk and return. Likely ranges of outcomes in different market conditions are considered. The result is a goal-based portfolio.
Idaho Trust employs a talented team of investment professionals to implement your plan. Our goal-based LifeNeeds™ Portfolios are structured utilizing strategic asset allocation principles applied within tactical ranges. Assets are invested in securities selected after application of quantitative and qualitative proprietary screens of institutional data.
Idaho Trust understands a successful investment process requires more than just a good initial plan. We work with you to respond to important changes in your circumstances. To meet your personal needs and accomplish your financial goals, we meet regularly to review your plan and make adjustments or changes as necessary.
Your LifeNeeds™ Investment Plan will reflect your specific timelines and investment goals across a number of asset classes, asset styles and types of securities based on your LifeNeeds™ Investment Assessment. We strive to develop a portfolio for you that maximizes your possible return potential consistent with your indicated level of risk. The following illustrates how each of our LifeNeeds™ Portfolios provides different levels of relative risk and return.*
In general, the more bonds in a portfolio the more income you will have and the lower the volatility. Likewise, a portfolio with more stocks will usually have less income and higher volatility, although the portfolio's overall long-term growth may be greater. We create LifeNeeds™ Portfolios that are broadly diversified with a mix of stocks, bonds and alternative investment assets. Then, we further diversify with different asset styles and selected securities. The following illustrates this process.**
*Exchange Traded Funds (ETF), mutual funds and individual stocks are subject to risks and fluctuate in value. Neither asset allocation nor diversification assure a profit or protect against loss. International investing involves special risks including increased volatility, political risks, differences in auditing, and other financial standards. Small-cap stocks have historically experienced greater volatility than average. High yield, lower-rated securities generally entail greater market, credit and liquidity risks than investment grade securities and may include higher volatility and higher risk of default. Bond prices are sensitive to changes in interest rates and a rise in interest rates can cause a decline in their prices. Past performance is no guarantee of future results. No representation is hereby made of the risk and/or return of any particular portfolio. There is no guarantee that any suggested investment strategy will work in any market. You should fully and carefully consider all objectives, risks, expenses and fees before you invest.
**Portfolios are illustrative only. Actual LifeNeeds™ Portfolios will vary from time to time as determined by Idaho Trust Bank. No representation is hereby made of the risk and/or return of any particular portfolio. There is no guarantee that any suggested investment strategy will work in any market. You should fully and carefully consider all objectives, risks, expenses and fees before you invest. Past performance is no guarantee of future results.
NOT A DEPOSIT | NOT FDIC INSURED | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY | NOT GUARANTEED BY THE BANK | MAY GO DOWN IN VALUE