Athena Financial and Insurance Services

Athena offers just this kind of approach. Our services are designed to help you protect and increase your wealth by delivering the potential for increased after-tax returns, with an unprecedented level of personalized service. We're professionals who are experienced in understanding the unique needs of affluent investors and in formulating investment strategies designed to help them achieve financial success. What distinguishes our program is its personal emphasis. It is built around you your goals, your time frame, and your tolerance for risk. As your needs change, we believe our unique ongoing management process helps your investment portfolio evolve with you. It is not a get-rich-quick strategy or a "hot-tip" investment product. Instead, we employ a disciplined process that sophisticated institutional investors have followed for decades in managing their investments. We believe every investor is an individual with different needs and different objectives. Whatever your objective--wealth preservation, asset growth, current income or minimizing taxes--it is critical to discuss them in detail with a knowledgeable investment professional before you begin investing. We will help you determine whether you need investments that produce income, growth or a combination of both. We follow a well-defined process to increase the probability that you will meet your financial objectives. Your portfolio strategy begins with a personalized investment analysis, then graduates through the portfolio construction process, in which multiple asset classes, multiple style allocations and multiple money managers are combined to meet your investment objectives. The result is a well-tuned, five-step asset management process designed to respond to your individual needs while also responding to the dynamics of capital markets. Your investment objectives will also help define your investment time horizon and risk profile. It is also important to understand your "risk tolerance" towards investing. That is, how much risk or variability of return are you comfortable with? The amount of time you have until you need to access your investment, your so called "time horizon", seriously affects your portfolio strategy. An investor with a longer time horizon can usually afford to assume greater short-term risk in exchange for potentially greater long-term growth. Stocks, for example, have historically experienced greater short-tern volatility, but over the longer term, they have outperformed bonds and other fixed income investments. If you have a longer time horizon, you may want to take advantage of the opportunities provided by investing in stocks. But regardless of the type of assets held in your portfolio, we believe time is on your side.