O'Fallon, IL, Investment Management
Investment Management Built Around Your Financial Plan
Your portfolio should reflect more than what is happening in the market. Retirement timing, cash flow needs, taxes, risk tolerance, and other financial goals all influence how your money should be invested.
Clark Wealth Partners provides investment management in O’Fallon, IL, for individuals, families, retirees, and business owners. We build and manage investment strategies within the context of your broader financial plan rather than treating your portfolio as a separate part of your financial life. Count on us for investment management services in O’Fallon.
Building a Portfolio Around Your Goals
The appropriate investment strategy depends on what your money needs to accomplish.
Someone approaching retirement may need a different balance of growth, income, and liquidity than someone who is still decades away. A business owner preparing for a sale may have different needs than an executive with a significant amount of employer stock.
Our investment process considers factors including:
- Financial goals
- Time horizon
- Risk tolerance
- Retirement income needs
- Liquidity needs
- Tax considerations
- Existing investments
- Concentrated positions
- Other sources of income and assets
We use that information to determine an appropriate allocation and investment strategy, then continue to monitor the portfolio as your circumstances change. Ask us about investment portfolio management in O’Fallon.
Managing Taxes Within Your Investment Strategy
Investment decisions can have tax consequences, particularly for clients with significant taxable investment accounts.
Selling appreciated investments can create capital gains, while market declines may create opportunities to realize losses. Charitable giving, retirement account withdrawals, and other income can also affect when it makes sense to recognize investment gains.
We consider these factors when managing your portfolio so investment decisions can be evaluated alongside your broader tax situation rather than based solely on investment performance. As financial advisors, we help connect investment decisions to your broader plan.
Managing Concentrated Investments and Liquidity Events
A concentrated stock position, inheritance, business sale, or other liquidity event can significantly change your investment picture.
For clients with a large position in a single company, we can evaluate the investment risk alongside the tax consequences of reducing that position. For someone receiving a large amount of cash from a business sale or inheritance, the planning may instead focus on how and when those assets should be invested based on upcoming needs and long-term goals. We also provide wealth management services for clients with more complex financial decisions.
These situations often require both investment and financial planning decisions, which is why we evaluate them within the context of your overall financial picture.
Ongoing Portfolio Management
Investment management does not end once a portfolio is built.
We continue to monitor your investments and make adjustments when appropriate based on changes in your financial plan, market conditions, tax situation, or personal circumstances. As an independent investment management firm in O’Fallon, we’re here for you.
As you approach retirement, begin taking distributions, change careers, sell a business, or experience another major financial event, we can reevaluate how your portfolio should be positioned for the next stage.
About Clark Wealth Partners
Clark Wealth Partners is based in O’Fallon, Illinois and provides investment management alongside financial planning, retirement planning, and tax planning.
Our approach is designed to keep investment decisions connected to the goals those assets are ultimately intended to support.
Frequently Asked Questions
How does Clark Wealth Partners build investment portfolios?
We begin with your financial goals, time horizon, risk tolerance, liquidity needs, tax situation, and other financial circumstances. Those factors help determine an appropriate investment strategy and how your portfolio should fit within your broader financial plan.
Can you manage investments during retirement?
Yes. We work with retirees to manage portfolios alongside retirement income needs, account withdrawals, taxes, and other sources of income.
Can you help with a concentrated stock position?
Yes. We can help evaluate the investment risk and tax considerations associated with a concentrated position and develop a strategy based on your broader financial situation and goals.
Areas We Serve
Clark Wealth Partners is based in O’Fallon, Illinois and serves individuals, families, retirees, and business owners throughout the surrounding Metro East region and beyond.