Williams Financial Services Corporation
Design and Implementation of Custom Investment Portfolios
Based on an individual’s objectives, time horizon and risk tolerance, we design and implement a custom-tailored investment portfolio from a wide variety of sources.  Because we are independent, we can choose from a broad selection of investment platforms and make changes when needed.

We prefer to work with institutional money managers for most of our portfolios because of their expertise, resources, and lower costs.  We do, however, work with some retail money managers on an as-needed basis.

All of our portfolios are managed using asset class investing, which is focused on broad, global diversification and achieving market rates of return.  Various studies* have shown that asset class investing has historically improved a portfolio’s stability of returns
(decreasing volatility significantly) and its long-term growth.  Additional studies* have shown that asset allocation is the single biggest determinant of how well your portfolio does—as compared to market timing and security selection—accounting for almost 92% of a portfolio’s long-term performance.

Our approach means every portfolio adheres to a clear asset allocation strategy, strict fund selection parameters and a rigorous risk management discipline.  The end result is a portfolio that is intended to deliver expected returns for your chosen level of risk.

Asset allocation and diversification do not ensure a profit or protect against loss in a declining market.  Past performance is not indicative of future results.

*References
Brinson, Gary P., L. Randolph Hood, and Gilbert L. Beebower. 1986. “Determinants of Portfolio Performance.” Financial Analysts Journal, vol. 42, no. 4 (July/August):39-48.

Brinson, Gary P., Brian D. Singer, and Gilbert L. Beebower. 1991 “Determinants of Portfolio Performance II: An Update.” Financial Analysts Journal, vol. 47, no. 3 (May/June): 40-48.

Ibbotson Associates. 1998. Stocks Bonds, Bills, and Inflation, 1998 Yearbook. Chicago, IL: Ibbotson Associates.

Harry Markowitz. 1952. “Portfolio Selection.”  Journal of Finance, 1952, no. 1: 77-91


 
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4000 Mitchellville Road, Suite, B226 Bowie, Maryland 20716 | p: 301.805.5538 | f: 301.805.0124 | info@kqwcpas.com
Securities & Investment Advisory Offered Through H. Beck, Inc., Member FINRA, SIPC | Williams Financial Services Corporation and H. Beck, Inc. are unaffiliated. H. Beck, Inc does not offer tax/accounting services. Williams Financial Services Corporation currently has individuals licensed to offer securities in the states of AZ, CA, CO, DC, FL, MD, NC, NY, PA, SC, and VA and insurance products in the states of AZ, FL, MD, PA, and VA.  This is not an offer to sell or solicit securities in any other state or jurisdiction.   However, if you reside in a state other than a state listed, please inform us.  Proper licensing must be obtained before advice is offered.
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