Investment Second Opinion

Our firm understands that you encounter competing priorities with your financial advisor. Because of these competing priorities, it is essential for you to receive an impartial second opinion on your portfolio. We have no hidden agenda, and at The Stock People, our affiliation rests solely with you. We can review any investments that you may have: Stocks, Bonds, Mutual funds, ETFs, 401k, IRA, etc.

The Portfolio Analysis Process


Risk Assessment:

  1. Complete a risk questionnaire to determine your ideal investments
  2. Determine investment experience, goals, and time horizon
  3. Complete the risk assessment process
  4. Create and comply with Investment Policy Statements
  5. Portfolio comparisons are made to determine risk and performance conflicts
  6. Assessments and suggestions are given to increase profitability and lower risk

Portfolio Assessment:
Analyze the client’s current asset allocation and portfolio using high-end institutional-caliber diagnostic tools.

  • Risk questionnaire comparison: Tells you if your risk and investment match-up
  • Asset allocation: Provides insight to your diversification, portfolio risk, and performance
  • Historical performance: Compares your portfolio to a properly diversified portfolio
  • Monte Carlo simulations: Shows your portfolio’s reaction to various market conditions
  • Style and sector analysis: Informs you if you have too much or too little of a group
  • Security overlap analysis: Overlap can reduce performance and increase losses
  • Fixed income diagnostic: Helps tell if your payments are at risk
  • Proposed allocations: We provide a proven portfolio model as a point of reference
  • Investment policy statement: Written document that states your risk tolerance,
    performance expectations, investment objective, etc.
  • And Much More!

Proposal Generation:

  • Comprehensive Custom Tailored Report that will be mailed and emailed to you for review.

Client Review:

We want to help our clients reach their financial goals with the least amount of risk. With our Second Opinion Service, you will learn the tools and information needed to create a high-yielding portfolio built to grow. We will:

  • Review and analyze your entire portfolio.
  • Identify the strengths and weaknesses of your holdings.
  • Conduct a risk, investment style, and performance consultation.
  • Provide suggestions to improve your portfolio’s performance and risk.
  • Create solutions, provide tips, and make suggestions for staying profitable in all markets
  • Identify high-risk positions, provide risk reduction solutions, and more.

All clients will receive an Investment Policy Statement

Today’s market and economy requires disclosure and transparency with their investments.  The Stock People proudly embraces the use of Investment Policy Statements as a way to help you document and record your expectations for your money.

Investment Policy Statements will outline all key agreements.  It will help you to understand how your portfolio will be invested, the experiences you’re likely to have, and how you want your financial advisor to manage your account. This will help communicate your needs more effectively. This is an added bonus from us to you based on the information provided to us.

IPS will help you:
  • Set clear objectives
  • Define your Asset Allocation Policy
  • Outline management procedures
  • Communication procedures
  • Establish better relationships with your advisor
  • Increase investment performance and lower overall risk

Bottom line: If you fell ill, you would get a second opinion. We believe this philosophy also works for your investments.

Our firm’s turnaround time is two to five business days for a complete analysis. Thus, you receive immediate feedback. We mail your analysis to you. Afterwards, we perform a comprehensive review of your portfolio. Reviews are strictly confidential and we conduct them via phone and web conference or in person.


*Note: The Investment Policy Statements provided by The Stock People is a preliminary tool to help you communicate your wants and needs to your advisor.  The document is subject to change based your conversations with your advisor.  Communication is key!