Investment Strategies

Effective Strategies Designed to Address Your Needs

Pulse Financial Services offers a wide range of investment strategies designed to help you manage risk and invest prudently for the future. These strategies are delivered within a disciplined investment process that is matched to your goals.

Investment Strategies

  • Save / Accumulate / Growth – If you’re saving money for retirement or other long-term goals, you can select strategies that are designed to help you pursue long-term growth.
  • Spend / Income – If you need regular income or want to provide portfolio diversification, you can choose strategies designed to provide an income stream and/or balance a growth portfolio.
  • Risk Management – If you’re concerned about market volatility, you can include strategies that are designed to respond to changing market conditions and potentially protect against – or even take advantage of – volatility in the capital markets.
  • Alternative – If you’re seeking diversification to complement a portfolio of traditional investments, Pulse offers several alternative investment strategies.

Investment Challenges

Strategies Designed to Help You Overcome Investment Challenges

You may face several investment challenges to successfully reaching your goals, such as market volatility and the emotions this unpredictability may cause. And there are the larger economic issues of inflation, low interest rates and high taxes that can create additional challenges. Fortunately, Pulse Financial Services provides a wide range of investment strategies that can help you address these challenges and keep your investment plan on track.

Retirement Planning Strategies

Consider these common challenges and some corresponding strategies to address them:


Thanks to healthier lifestyles and advances in health care, people today are living longer than ever. Will your money last as long as you do?

Strategy: If you're anxious about the possibility of outliving your assets, investing for a rising income could be a strategy to consider. A rising income strategy is designed ot allow your income to rise over time, rather than forcing you to rely on a fixed income.


Interest rates have been declining for years. Are your investments generating enough income for your needs?

Strategy: Pulse's income investing strategies may be able to provide a higher level of income to address your income needs.


What would a market downturn do to your retirement savings? Is there a way to protect yourself?

Strategy: Pulse has risk-control strategies that are aimed at responding effectively to changing market conditions. They can potentially help your portfolio buffer downturns in the capital markets, as well as participate in growth potential when markets are on the rise.


Higher prices steadily erode the value of what your dollars will buy over time. Do you have a strategy in place to counter the effects of higher inflation?

Strategy: To help counter the effects of inflation, you may want to consider certain investment strategies as part of your overall portfolio that are specifically designed to appreciate when inflation rises.


Capital gains taxes can put a significant drag on the portfolio performance of investors with taxable accounts. What will you do if taxes increase?

Strategy: If the possibility of higher taxes has you concerned, you may want to take advantage of a potentially effective strategy called tax harvesting or tax deferral.


Investment Process

An Overview of Our Asset Management Process

At Pulse Financial we construct personalized portfolios, utilizing multiple asset management teams and a disciplined, rigorous process. Our investment process helps provide clients with appropriate investment solutions tailored to each investor’s objectives, risk tolerance and time horizon.

Step 1: Setting Investor Objectives and Risk Profile

We will help you define and prioritize your individual needs and goals and determine your risk tolerance for each.

Step 2: Selecting Asset Allocation Strategies

Diversification is key in optimizing investment results.  Pulse Financial will help you allocate your assets to balance the risk and reward appropriate for pursuing each investment goal.

Step 3: Development of Investment Policy Statement

A written Investment Policy Statement is used to guide decisions regarding the client’s investment portfolio and helps to keep clients on track in pursuing their goals.

Step 4: Manager Search and Selection

One of the unique facets of our firm is we employ multiple teams of asset managers to co-manage our clients’ investments.  These teams are heavily vetted by our broker dealer and us and allow us to diversify even further among different investment styles, philosophies and technological enhancements.

Step 5: Portfolio Construction

Pulse Financial draws on internal resources and the expertise of outside institutional-quality money managers to construct comprehensive, globally diversified portfolios. We also offer tactical and risk-control strategies that can complement strategic portfolio allocations, plus an array of more focused options including actively managed fixed-income, U.S. equity, international equity and alternative portfolios.

Step 6: Portfolio Monitoring and Rebalancing

The Pulse Team monitors the portfolio on an ongoing basis to ensure it remains aligned with each client’s stated goals in the Investment Policy Statement, and is still effective in the ever-changing economic environments.