What we do

Life is fluid, circumstances and resources change as we progress through life’s various stages. We work in partnership with our clients to develop a unique financial plan and investment strategy that can handle a range of possible scenarios and that can evolve as you progress through your professional career and life’s different investment stages.

We start every relationship by developing a thorough understanding of a client’s personal situation, goals, income and return objectives and tolerance for risk. We then design and implement an appropriate asset allocation strategy optimized to fit your unique set of circumstances. Our core investment approach is built upon a broad platform utilizing multiple asset classes in highly diversified investments that captures global market returns.

Mission Statement

Our mission is to provide intelligent, low cost, strategic asset allocation strategies to help secure specific life and retirement goals. It is the goal of Furlong Investment Solutions that we become our client’s trusted family financial partner providing comprehensive financial solutions throughout their career and retirement.    

Our clients can be assured that they and their families will have a trustworthy partner that provides honest, intelligent, timely and unbiased advice throughout life’s expected and unexpected events. Our core values of honesty, clarity, transparency and empathy will be evident to our clients in everything we do.  

Investment Philosophy

Asset allocation is the cornerstone and driving force of every prudent investment plan. It’s also dynamic for the various stages of one’s career, as well as, life’s expected and unexpected events. As rational investors we will always seek the greatest total return proportionate for each given level of risk. 

We will build customized portfolios designed to meet long term objectives that can handle a broad range of economic events along with short term market volatility. We seek to minimize the gap in investment performance and investor returns over time due to behavioral finance by eliminating irrational financial decisions driven by short term emotions. It’s important to note a person risk tolerances because improper asset allocation leads individuals to abandon the investment policy during difficult phases of market cycles. This is why we carefully explain to the client the process and plan of what we are going to do; then we go out and do it.

Our investment strategy incorporates this principal when constructing diversified investment portfolios. We collaborate with each client in developing an investment plan that considers their current financial situation, existing resources, investment objectives, time horizon, liquidity needs, risk tolerances and special considerations. Based on this information we develop the investment policy statement that outlines the investment strategy and securities that will be used to meet the stated objectives.

Investment Management Services

We design, implement and manage portfolios using a core and satellite investment approach based on Modern Portfolio Theory.  The desired result is a portfolio that lies on the efficient frontier where the expected investment returns are greatest for every given level of risk assumed.  We emphasize the importance of long-term strategic thinking, controlling cost and tax efficiency when designing and implementing portfolios.

We use market volatility to our advantage by periodically rebalancing portfolios back to desired asset allocation targets.  This disciplined and systematic approach allow us to objectively manage the overall risk characteristics of the portfolio while remaining compatible to your acceptable levels of risk tolerance.

Our core and satellite approach is built upon a broad platform of globally diversified equity and fixed income securities.  More specifically, we utilize multiple asset classes, investment styles, market capitalizations, industry sectors, and regions that are allocated across domestic and international equities, fixed income and alternative investments.

The core approach specializes in managing low-cost, well-balanced and globally diversified client accounts.  Once the core is established we incorporate satellite positions to tilt the portfolio to desired asset classes that enhances your portfolio characteristics given your time horizon, liquidity requirements and risk tolerances.

See Our Investment Policy

Retirement Solutions for Small Businesses

Market volatility, expanded investment options and regulatory changes are driving the need to take a close look at the cost, performance and effectiveness of 401K investment lineups.

Our independence and adherence to the fiduciary standard allows us broad latitude when selecting third-party administrators, record-keepers, custodians and investment lineups to service the retirement plan.  Our solution is mindful to both the plan sponsor’s business objectives and the employees’ retirement needs.

We focus on the “Four Ps of Asset Manager Due Diligence” – People, Process, Philosophy and Performance to ensure sponsors that their investment lineups meet current and future fiduciary requirements.  We make the plan participant-friendly by being transparent with simple and streamline investment choices.  We provide professionally managed all-in-one solutions in the form of target date funds, balanced index and active management funds.  In addition, we provide access to a core set of broad-market index funds to allow employees to customize their portfolio to meet their individual preferences.

We drive the participation rate of the plan by providing employees the proper tools, workshops, educational materials and asset allocation strategies that increases awareness and ownership in meeting their future financial objectives. 

Our “Best Practices” solutions allow us to serve as either a 3(21) or 3(38) investment fiduciary under the Employee Retirement Income Security Act of 1974 (ERISA). We shift the fiduciary requirements and compliance responsibilities on us, so that you can run your company.

FAQs

There can be a lot of uncertainty when you first start out, and FIS will do its best to answer whatever questions you may have.