The process of matching your investment goals and personal profile with an asset allocation mix is based primarily on risk tolerance, time horizon, and other factors. While some clients establish their investment objectives and guidelines on their own, consulting with an advisor is an ideal solution to identify the most suitable solution.

If your account is tax-deferred (IRA or similar) you want to consider the taxable-bond portfolio. If your Federal tax bracket is 28% or greater, you probably want to consider a tax-exempt bond portfolio. We recommend that you consult your tax advisor.