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Investment Planning

In today’s investment environment, investors face a dizzying array of choices. It is easy to be overwhelmed by the amount of information and literature telling investors what to do with their money, even though they do not have knowledge of the investor’s specific situation. Michael J. Alvini can provide you help with investment planning related topics, from determining the correct asset allocation mix, to security selection and portfolio management, to performance measurements.

Investing is the proactively using your money to make more money by compounding, the reinvestment of income. Ideally, it is the idea of putting your money to work for you. There are a great many different risks associated with different investment vehicles and strategies. Our focus is to clearly define your goals and expectations, then look to take on the “least” amount of risk to meet your required returns through suitable investments that pertain to time horizon and risk tolerance.

Here at Alvini & Associates, we use a 3-Step Process. And while no approach can guarantee that you won’t see a temporary decline in your investment value if the market declines, adhering to the “3-Step Process” can improve your chances of avoiding such an occurrence or lessening the impact of such an occurrence.

Step 1: Asset Allocation
Step 2: Diversification
Step 3: Rebalancing


The basic types of investment products are stocks, bonds, cash and cash equivalents, mutual funds, and other alternatives. As previously stated, your investment mix is dependent upon factors such as time horizon and risk tolerance. We believe in a disciplined approach to long-term investing.

You invest for your future, and the future is expensive. Choosing someone to help you with your investments is one of the most important investment decisions you will ever make.

Asset Allocation and Diversification does not assure or guarantee better performance and cannot eliminate the risk of investment losses.

Educational Insights

The Sequence of Returns

The Sequence of Returns

A look at how variable rates of return impact investors over time.
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A Taxing Story: Capital Gains and Losses

A Taxing Story: Capital Gains and Losses

Understanding how capital gains are taxed may help you refine your investment strategies.
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8 Timeless Principles of Investing

Financial planning doesn't have to be overwhelming. Download this guide to get some bite-sized pieces of timeless financial advice.