INvestment Management
Don't just accept risk. Manage it.
Markets are unpredictable. The future is unknowable. Yet most investment strategies remain rigid and static even as the world constantly changes around them.
During rough markets, you'll be told to simply "stay the course" or "hang on". Our Hybrid Risk-Aware (HRA) Investment Process takes a different approach, it's built to adapt and adjust in real-time.
The reality is that risk cannot be eliminated, it can only change forms. You can't avoid risk entirely when investing. Instead, you want to transform it into something you can control.
By combining traditional buy-and-hold strategies with adaptive trend-following components, we create "deep diversification" - not just by asset class, but by strategy itself.
This means your portfolio can adapt to changing market conditions while maintaining a disciplined, rules-based approach.
When paired with our Retirement Income Guardrails system, you get a cohesive retirement income strategy that helps you enjoy more of what you've worked to hard to build, with greater confidence and less worry.
The result? A retirement journey with smoother roads and better views - one where you can focus on living your best life instead of watching the markets.
The Hybrid
Risk-Aware
Investment Process
Think of your investment journey like driving your car on a road trip.
Traditional buy-and-hold investing is like driving an older car with few safety features and a worn out suspension. Sure, it gets you from A to B, but the drive can be stressful and you feel every bump in the road.
Our Hybrid Risk-Aware Process is built on core principles designed to work together like modern day safety features:
Risk Management
Risk management is at the heart of everything we do. When it comes to investing, losses hurt your portfolio more than gains help. It's a mathematical fact. Like wearing a seatbelt on your journey, our primary focus is protecting you from significant damage when unexpected events occur, helping you win more by losing less
Adaptability
Markets change. Your portfolio should too. Our approach automatically adjusts to changing markets rather than maintaining the same rigid strategy at all times. We don't try to predict market movements; instead, we respond to established trends, much like adaptive cruise control will slow down as hazards appear of maintain momentum when the road is clear.
Retirement-Focused Integration
This system works alongside our Retirement Income Guardrails. While the Guardrails provide a framework for sustainable withdrawals, the Hybrid Risk-Aware Process aims to smooth the ride. Together, they help you navigate retirement with greater confidence, allowing you to focus on enjoying the journey rather than worrying about every bump in the road.
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Why choose us for investment management? Because you should know that your portfolio is working for you, not us.
You've worked hard to earn, save, and grow your money. As a fiduciary, we're obligated to act in your best interest. We don't sell products. We don't get paid commissions. We're working for one person and one person only – you.
Our approach differs fundamentally from traditional advisors who offer a one-size-fits-all passive strategy and tell clients to "stay the course" through all market conditions. We believe that adaptability is a superpower—both for retirees and for investment strategies.
You can live your life without feeling like you need to be glued to the monitor all day. Of course, you'll always have access to our mobile app where you can track your progress, review your holdings, make deposits and withdrawals, and view your statements.
In your initial 30-minute conversation, we'll discuss your current situation, explain our process in detail, and determine if our approach is right for your needs. No obligation and no pressure.
Who should consider hiring us as their investment manager?
You are currently retired
Investing changes fundamentally in retirement. You're no longer buying and holding, you're selling and spending. Our approach was designed specifically for the risks you face in retirement, helping you focus on living your best life rather than worrying about market movements.
You are approaching retirement
The decade before retirement is critical. Market downturns during this period can significantly impact your retirement lifestyle. Our Hybrid Risk-Aware approach helps protect your portfolio during this vulnerable transition period while still participating in market growth.
You are a busy professional with limited time
Life has a funny way of always finding a demand for your time. It feels like you’re getting busier every year, doesn’t it? We'll handle the management, monitoring, and adjustments that effective investing requires. You'll have clarity about how your investments work without needing to track daily market movements.
You're uncomfortable making investment decisions
Many investors know they should stay disciplined, but find it difficult when markets become volatile. Our systematic approach removes emotion from the equation, helping you avoid the common behavioral pitfalls that lead to buying high and selling low.
You want more than a "set it and forget it" strategy
If you believe your investments should adapt to changing market and economic conditions, our approach will resonate with you. We've found that nearly all clients agree their portfolio should respond to major market shifts, yet most traditional advisors simply tell them to "stay the course" regardless of how the world is changing around them.
How we approach investment management.
Assessment & Planning
We begin by understanding your complete financial picture, retirement timeline, and personal priorities. This helps us develop a portfolio strategy aligned with your specific needs and goals.
Portfolio Construction
We build your portfolio using the Hybrid Risk-Aware framework, combining passive investments with trend-following components to create deep diversification.
Monitoring & Adjustment
Review & Education
We regularly review your portfolio performance and explain any adjustments in plain language, giving you confidence in the process without requiring you to become a market expert.
Investment advisory services provided through Christensen Group Financial, LLC, a registered investment adviser with the SEC and a wholly owned subsidiary of Christensen Group Inc.
Speak with an individual retirement solutions expert.
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