Asset allocation is a fundamental aspect of managing business owner’s personal and corporate investment accounts and plays a crucial role in determining the overall risk and return of an investment portfolio, mitigating market volatility, protecting against inflation, and aligning investments with financial goals. SCS’s asset allocation strategy is designed to achieve long-term investment success and is comprised of the following key elements:

• Diversification: spread investments across various asset classes (such as stocks, bonds, real estate, and cash) to reduce risk and minimizes the impact of poor performance in any single asset class on the overall portfolio.

• Risk Management: allocate assets according to the client’s risk tolerance, time horizon, and financial goals to better manage the overall risk of the portfolio.

• Return Optimization: balance risk and reward by apportioning a portfolio’s assets according to market conditions to optimize returns while respecting the client’s risk comfort zone

• Market Volatility Mitigation: cushion the portfolio against market volatility to provide stability during market fluctuations.

• Financial Goals Alignment: align the investment strategy with the client’s financial goals.

• Inflation Protection: include assets in the portfolio that protect against the eroding effects of inflation on purchasing power.

• Behavioral Benefits: help the investor stay disciplined and avoid making impulsive decisions based on market movements.

• Periodic Rebalancing: review and rebalance the portfolio to maintain the desired asset mix to capture gains from outperforming assets and reinvest in underperforming ones.

• Customization: customize investment strategies to the client’s age, income, tax situation, and financial goals to ensure the portfolio is tailored to the client’s specific needs.