Prerequisite to the achievement of your goals and objectives is the implementation phase of comprehensive financial planning. Before making any investment recommendations, we first determine your goals and objectives, your needs and priorities, your risk tolerance level and your time frame. It is essential to educate the client to understand all areas of systematic risk; (1) market risk, (2)interest rate risk, (3) reinvestment risk, (4) purchasing power risk and(5) exchange rate risk. We also address unsystematic risk that includes (1) business risk and (2) financial risk. We consider investment attitudes and values.

In addition to your personalized financial plan, we offer a full range of financial services and investments to accomplish our recommendations for implementation. It is the client's prerogative to attempt this phase independently; in such case we are happy to serve as investment advisors only. However, we at Houlihan Financial Resource Group recommend professional management: educated, careful selection of investment vehicles suitable to your situation; portfolio reviews, appraisals and management; and personal monitoring to take advantage of economic changes. We provide this service on a fee-only basis. Houlihan Financial Resource Group, Ltd. Is a Registered Investment Advisor with the Securities and Exchange Commission.

Houlihan Financial Resource Group manages investments for corporations, trusts, and high net worth individuals using investment strategies based on a carefully designed investment policy.

We provide a broad array of investment products and services not customarily available to retail investors.

Diversified portfolios are comprised of individual stocks and no-load stock mutual funds. Portfolios are based on the client’s risk tolerance, time horizon and specific goals and objectives as specified in the investment policy statement.

For the equity allocation of the portfolio, we emphasize the longer term (greater than 5 years) where we manage the allocation between growth and value styles while maintaining the appropriate diversification between large, mid-size and small capitalization stocks, international stocks and specific industry sectors.

For the fixed income portion of portfolios, individual bonds are carefully selected over short to intermediate maturities to control the risk of fluctuating market interest rates and to provide predictable income and liquidity.