Investment Management
A factor-based approach to portfolio management that builds sustainable wealth & ensures financial security.
You can’t beat the market – but you can capitalize on its known behaviors.
There are three key points to understand about investing:
Study after study has found that it’s impossible to beat the market on a consistent basis; if you try it, you’ll lose. That is why F5 Financial’s investment planning and wealth management approaches investing with a data-driven, factor-based methodology. Instead of trying to outsmart the market, we use known market behaviors and leverage DFA funds to create an investment strategy to meet your goals.
In addition to using known market behaviors as investment indicators, we take a holistic approach to your wealth management that considers all aspects of your financial welfare. Each strategy is customized to the client and their unique financial objectives. We create a strategy that maximizes your cash flow and assets for investing while ensuring you have enough liquidity to always be secure.
DFA Funds: A Superior Approach to Investment Management
At F5 Financial, we use the investing methodology developed by Eugene Fama, an economist and winner of the Nobel Memorial Prize in Economic Sciences. Fama’s methodology focuses on capturing the “key” dimensions of the marketplace as investment indicators. These dimensions are:
F5 Financial is an approved advisor with Dimensional Fund Advisors, an asset manager whose mutual funds use Fama’s dimensional methodology. As an approved advisor with DFA, we can invest our client’s portfolios in DFA’s mutual funds, which are not available to the general public.
F5 Financial’s Investment Planning Process
Goal Planning
Our initial meeting will discuss your financial goals. Is the purpose of your portfolio to save for retirement? To build a trust for a loved one or charitable organization? Learning what your intent is with your gains will help us develop a robust investment strategy.
Cash Flow Planning and Analysis
We assess your current and anticipated income, and then model what needs to happen from a budgetary and growth standpoint to meet your goals.
Investment Strategy
Using a factor-based approach that leverages DFA funds, your investments are optimized for growth. We create a diversified portfolio that performs well across market cycles.
Financial Projections & Quarterly Reports
We produce financial projections for your investment portfolio and deliver quarterly reports that show where you’re at with your financial goals.
Ready to find out more?
Contact us to speak with a fee-only financial planner about your investment portfolio.
Investment Management FAQ
Generally, F5 Financial is ideal for families who have a minimum of $500,000.00 in investable assets.
We meet with families on a quarterly basis. Most families elect to meet virtually over Zoom. However, we are always available to meet in person as well.
We have five offices:
Naperville Downtown, located at:
29 South Webster Street,
Suite 350B
Naperville, IL 60540
Venice, FL, located at:
871 Venetia Bay Blvd.,
Suite 234
Venice, FL 34285
McDonough, GA, located at:
70 Macon Street
McDonough, GA 30253
Information on the performance of your investments is accessible on-demand via a tool called Advyzon, which is available through your computer or an app. We also provide quarterly investment performance reports of your portfolio. These reports contain details on what investments were added or altered and the impact of each change.
Financial planning reports and projections are also available on demand through our Personal Wealth Manager tool, powered by eMoney Advisor. It’s accessible from your computer.
Quarterly, we provide a single-page action plan and financial projections that detail completed tasks, tasks in progress, and outcomes.
You can access your investment reports at any time using the tool Advyzon, which is accessible via computer or an app.
F5 Financial is a fee-only fiduciary, which means we receive a flat fee as compensation for our services. We receive no commission or incentive for how we invest your portfolio, thus we have no conflicts of interest as a financial steward. See our fees page for specifics on our fee structure.
Being a fee-only financial advisor allows for maximum transparency on our investment process, and you will never encounter hidden fees when you work with us.
Curt Stowers, the Founder of F5 Financial, is a Certified Financial Planner. He is a graduate from the University of Illinois where he earned a BS, MS and PhD in Industrial Engineering.
Josh Duncan, Partner and Financial Planner with F5 Financial, is a Certified Financial Planner. He earned his BS in Computer Science from Eastern Illinois University and holds an MBA from Capella University.
We typically work with individuals or couples in the 35-years-old to 60-years-old age range, but we are open to working with all ages. Please contact us for answers on your specific situation.
You can set-up a consultation at this page here.
