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Investment Strategies

A well-structured investment portfolio is the product of a well-planned strategy. At Centennial Financial Group, we believe in balance, involvement, and education, meaning we want our clients to know and understand what their money is doing. Not only that, but we issue advice based on a fiduciary responsibility wherein the interests of our clients come squarely before our own and aren’t influenced by commissions.

Our Investment Philosophy

At Centennial Financial Group, we believe in a long-term investment outlook that is informed by active and passive forms of investing. This philosophy is centered around the following core principles:

  • Long-Term Perspective: We prioritize long-term investment objectives over short-term gains, recognizing the importance of patience and perseverance in achieving financial goals.
  • Diversification: We choose Diversified Investments across various asset classes to mitigate risk and to work toward optimizing returns in different market conditions. By combining passive investments like larger indexes and Exchange-Traded Funds (ETFs), with actively managed ones like ones found in emerging markets, we work toward realizing steady growth and occasional windfalls. 
  • Risk Management: Our investment philosophy emphasizes understanding and managing risk effectively. This means we allocate the right amounts to passive and active investments to align investments with each client's risk tolerance and financial objectives.
  • The Core/Satellite System: Our philosophy relies on core investments being the steady ones that, over time, are designed to weather financial storms with the goal of making overall steady and impressive gains. The satellite investments around that core are the ones that carry a little more risk but yield higher returns.

Benefits of the CFG Strategy

In addition to our comprehensive investment approach, clients who partner with Centennial Financial Group and utilize our strategies enjoy:

  • Lower Overall Portfolio Expenses: utilizing passive funds reduces the fees that can eat away at actively managed funds. This means you enjoy gains and some management without over-involvement on the slow-burning investments. 
  • Tax-Efficient Investments: with fewer gains distributions, the tax liabilities on these funds are lower. We always account for how taxes will affect your short and long term goals as well. 
  • Flexibility: With an array of indexes and Exchange-Traded Funds (ETFs) to choose from, we have the flexibility to customize your investments to your specific objectives and risk tolerance.
  • Protection: Our philosophy and investment structures opt for funds that are designed to provide reliable returns while protecting against downsides.

Our Investment Process

We follow some basic and crucial steps in our investment process. Here's how we execute our strategy:

  • Identify the Investor’s Objectives: We begin by understanding the specific investment objectives of each client. Factors such as risk tolerance, time horizon, income needs, and tax considerations are carefully evaluated to tailor a personalized investment plan.
  • Determine the Optimal Asset Allocation: Utilizing Modern Portfolio Theory, we design a diversified portfolio that aims to maximize returns for a given level of risk. We emphasize the importance of asset allocation in achieving long-term investment success, avoiding market timing strategies, and focusing on maintaining a balanced portfolio.
  • Select the Investments to Implement the Allocation: Through rigorous research and analysis using professional tools such as Morningstar, we identify investments that align with our asset allocation strategy. Our selection criteria prioritize funds with a proven track record of strong risk-adjusted returns, competent management teams, reasonable expenses, and adherence to defined investment objectives.
  • Consistently Monitor the Portfolio: Our dedicated Investment Committee conducts quarterly reviews to assess portfolio performance, using a “keep,” “watch,” or, “replace,” system. We evaluate market conditions and make necessary adjustments to asset allocations. We meticulously monitor each fund in our preferred list, ensuring alignment with our clients' objectives and making proactive decisions to work toward optimizing portfolio performance.

All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful.

Asset allocation is an investment strategy that will not guarantee a profit or protect you from loss.

A diversified portfolio does not assure a profit or protect against loss in a declining market.

For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Advisor Networks LLC nor any of its representatives may give legal or tax advice.

Partner With a Centennial Investment Advisor

With our disciplined investment philosophy, personalized approach, and commitment to delivering value, Centennial Financial Group is dedicated to helping clients achieve their financial goals with confidence. Partnering with us means a sound investment strategy and professional help all along the way.

Financial Advisor Near Me

Financial Advisor Near Me

If your search for a “financial advisor Pennsylvania,” or “financial advisor near me,” has led you to our website, you’ve come to the right place! We’re happy you found us and hope you will allow us to consult with you to help you make the most informed decisions about your financial future. Contact us today to schedule a complimentary consultation. We look forward to speaking with you!

Who We Work With

We specialize in helping business owners exit strategically and offer individual, holistic planning to help clients live the life they want.

Our Clients

Our Approach

We offer a holistic planning process that prioritizes client education and gives you the knowledge and freedom to do more of what you want.

Our Approach

Our Team

Our professional advisors thrive on a foundation of trust, authenticity and transparency that prioritizes your happiness at every life stage.

Meet the Team