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A Four Cornerstone Approach

To Target Your Objectives We Implement a Four Cornerstone Approach for a Sound Financial Plan 

Cash Management & Reserves 

Cash strategies allow you to respond to changing cash flow needs, such as investment opportunities, purchasing a home or a car, refinancing, or responding to emergencies.

At St. Pedro & Associates, we...

  • Take an in-depth look at your current financial picture
  • Identify and help maximize your financial strengths
  • Highlight and help minimize your financial weaknesses

Fixed-Income Investments

Fixed-income investments can be a valuable asset in a sound portfolio. Because they aim to provide a consistent rate of return, they have the potential to provide stability in times when you have known financial needs.

At St. Pedro & Associates, we...

  • Determine your fixed-income needs
  • Implement an appropriate strategy to help maximize your fixed-income needs
  • Monitor your fixed-income investments and adjust accordingly*

Protection and Risk Management

Protecting you, your loved ones and your business from unexpected events is viral to your financial security. Having appropriate safeguards in place can help provide security for the people and things that matter most.

At St. Pedro & Associates, we...

  • Review your current protection strategy
  • Conduct a need-based analysis
  • Recommend appropriate protections suited to your individual needs

Equity Investments

If your goals require you to significantly increase your assets, equity investments offer you the opportunity for growth and higher returns1.

At St. Pedro & Associates, we...

  • Analyze your risk tolerance
  • Address market fluctuations
  • Ensure appropriate portfolio asset allocation and diversification2

1. Potential for greater returns is subject to greater risk of loss of principal.
2. Diversification helps you spread risk throughout your portfolio, so investments that do poorly may be balanced by others that do relatively better. Neither diversification nor re-balancing can ensure a profit or protect against a loss.

*In general, the fixed income market is volatile, an fixed income securities carry interest rate risk. (As interest rates rise, fixed income prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed income securities also carry inflation risk and credit and default risks. Any fixed income security sold or redeemed prior to maturity may be subject to a substantial gain or loss.