Investment Management


Financial Management Strategies, Inc. was founded with the philosophy of delivering disciplined investment management and an outstanding client experience.

Some investors – and some financial advisors – focus exclusively on returns when choosing or monitoring investments. While returns are important, they do not tell the whole story. How were the returns captured? What was the market environment? Simply put, trying to protect against tomorrow’s risks with yesterday’s strategy can derail an investment plan and lead to emotional overreactions.

Our vision is different. We have a forward-looking approach, one that aligns your portfolio with the evolving secular markets in order to try to capture returns and balance risk consistent with your goals. We will work with you and your investment team on an ongoing basis to help ensure that your investments remain aligned with your goals.

This approach is embodied in a few core themes you will hear repeatedly when working with us:

  • Asset allocation is more important than timing or security selection. How you allocate your investments across asset classes is an important factor determining portfolio performance.  Asset allocation does not ensure a profit or protect against loss.
  • The market undergoes deep secular cycles that require flexibility in the investment approaches used in your portfolio. Keeping your portfolio aligned with the market environment is a key to working toward your long term objectives. ey to working toward your long term objectives. 
  • Institutional capabilities may improve results. The markets are more global and inter-connected than ever before. In our opinion, the discipline and resources of institutional money managers are critical for developing sound investment plans. 
  • Emotion is the enemy of sound investing. Whether it’s chasing returns or fearfully retreating from a sound investment plan in response to a negative surprise, emotion undermines objective, long-term decision making.

These core themes are the foundation on which we build your investment plan. The greater your understanding of these core themes, the more likely you are to maintain a disciplined investment approach and make considered changes only when prudent and necessary.

Our promise is to keep you informed every step of the way to ensure that your investment plan continues to work toward your needs.

If you have any questions about your current financial situation or wish to schedule an appointment,
give us a call at 954-452-9590. or send us an email...

Jorge Garrido