Investing

At D.K. Brede Investment Management Company, we don't believe in using investor profiles as a guide to servicing your investment needs. As with a fine suit, the care and attention to detail with which we craft your investment strategy are reflected in how well it fits you. Every individual plan we create has the long-term objectives of your life as its primary focus. We want to be as excited about your goals as you are, and our task is to show you how best to realize them.

Development of an overall investment plan for you is based on a financial analysis that encompasses the following factors:

  • Assessment of your tolerance for investment risk
  • Development of a meaningful, realistic investment objective
  • Determination of appropriate investment time horizons
  • Identification of available resources
  • Analysis of existing investment assets
  • Development of a portfolio rate-of-return objective

Our financial analysis provides the basis for the allocation of investment assets.

Development of an overall investment plan for you is based on a financial analysis that encompasses the following factors

An offering that's comprehensive and monitoring that's continuous
Our investment management program, which we offer through Commonwealth Financial Network, includes:

  • Purpose-driven asset allocation models
  • Portfolio structure
  • Securities selection
  • Portfolio monitoring with continuous needs-based examinations

Each holding in your privately managed portfolio is selected to target the specific financial goals of your plan. Your assets are managed with a consistent focus on discipline as the key to pursuing successful investment results over time. They may include:

  • Common and preferred stocks
  • Municipal bonds
  • Government and corporate bonds
  • Brokerage CDs
  • Mutual funds
  • Closed-end funds
  • Exchange-traded index funds
  • Real estate investment trusts (REITs)
  • Hedge funds

Specialized expertise on demand
We can also offer you access to top institutional managers who provide the highest level of skill and service. Our strategic alliances allow you to tap into the expertise of specialists (who generally require a minimum investment of $5 million to $100 million) without the restrictions of any separate account minimums.

Comprehensive Services

  • Coordinate with your attorney and accountant*
  • Hold regular meetings and ensure that all planning is well coordinated and implemented
  • Maintain copies of documents such as insurance policies, estate planning and legal documents, and tax returns

Investment Planning

Review of Portfolio

Asset Allocation

Time Horizon

Withdrawal Strategies

Investment Policy

Stock Concentration

Review Investments Held in Current 401(k) Plan

Estate Planning and Charitable Giving*

Trusts

Irrevocable Life Insurance Trusts

Estate Taxes

Charitable Giving and Trusts

Wills

Power of Attorney

Health Care Proxy

Special Needs Trusts

Guardians for Minor Children

Retirement Planning

Retirement Goal Setting

RMDs and Withdrawal Strategies

Social Security and Medicare

IRA Contributions and Conversations

Self-Employed Retirement Plans

Business Planning

Employer-Sponsored Plans and 401(k)s

Annuities and Pensions

Cash Flow and Budget

Income Sources

Expenses and Budgeting

Debt Management

One-Time Expenses

Planned Large Expenses

Emergency Funding

Dollar-Cost Averaging

Mortgage Review

Lines of Credit

Income Tax Planning*

Review of Cost Basis

Deductions and Credits

Review of Realized Gains

Tax Loss Harvesting

Carry Forward Losses

Potential Roth Conversions

Risk Management and Insurance

Review of Existing Policies

Life Insurance Needs

Long-Term Care Insurance

Disability Insurance

Health Insurance

Homeowner's or Renter's Insurance

Liability Coverage

Assistance to Loved Ones

Gifting

Education Planning

Caring for the Elderly

529 College Savings Plans

Roth IRAs for Children

UGMA/UTMA

*D.K. Brede Investment Management Company does not provide legal or tax advice. You should consult a legal or tax professional regarding your individual situation.