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As a specialized division of Lindgren, Callihan, Van Osdol, LCV Wealth Management, Ltd. provides a unique set of investment advisory services to clients in Northern Illinois and beyond. We start with a comprehensive investment evaluation, and by focusing on your interests, we help you achieve your short and long-term financial goals. LCV Wealth Management, Ltd. believes in Modern Portfolio Theory (MPT) and structured asset class investing, the best way to develop prudent, long-term portfolios for our clients. Our fee-based advisory services offer no commissions or hidden costs, unlike many other companies. Our comprehensive and flexible approach in personal financial planning is in line with our corporate philosophy of being independent, objective, and trusted business advisors.

We create an all-inclusive set of financial services:

  • Personalized financial planning to create an appropriate strategy for your goals and objectives.
  • A comprehensive investment evaluation to integrate and monitor investments.
  • An investment approach that provides objectivity and flexibility.
  • Investment services based on Modern Portfolio Theory—reducing expenses, creating tax efficiencies, and providing unbiased investment advice.
  • Proactive tax planning to optimize returns and increase overall wealth.
  • Being able to "stay the course" while implementing a strategy, particularly in today's market.
  • Fee-based advisory services, no commissions or hidden costs. By focusing on your interests, we help you achieve your investment goals and facilitate implementation of the goals that you choose.

Structured Asset Class Investing

We strongly believe that Modern Portfolio Theory (MPT) and structured asset class investing is the best way to develop prudent, long-term portfolios for our clients. The world's leading financial economists, three of whom received a Nobel Prize for their contributions, conducted ongoing research resulting in the information of MPT. Major tenets include:

  • Markets process information so rapidly when determining security prices, that it is extremely difficult to gain a competitive edge by exploiting market anomalies.

  • Over time, riskier assets provide higher expected returns.

(see Distinct Return Profiles)

Distinct Return Profiles
(Growth of $1)

 

 

Small Cap Value Combined risk factors provide powerful premium returns

 

 

Large Cap Value Recognizable premium return

 

 

Small Cap Higher risk, greater return

 

 

Large Cap Bumpy ride, but wealth-creating (S&P 500)

 

 

Long-Term Bonds Poor risk/reward tradeoff

 

 

T-Bills No growth after taxes and inflation
     

 

 

Source: Dimensional Fund Advisors, Inc.
Performance is historical and does not guarantee future results.

Better Building Blocks

LCV Wealth Management, Ltd. has access to no-load, institutional structured asset class mutual funds that provide, what we believe to be the best building blocks to meet our objective of implementing MPT. Each fund captures the return behavior of the entire asset class, allowing for multiple asset class diversification.

Studies Demonstrate It
 

  • Approximately 94% of variability of a fund’s investment return is due to asset allocation1

  • 97% of performance variation is due to asset class structure2

  • On average, 90% of the variability of returns and 100% of the absolute level of return is explained by asset allocation3
 

1 Gary P. Brinson, L. Randolph Hood and Gilbert L. Beebower, “Determinants of Portfolio Performance,” Financial Analysts Journal, July-August, 1986.
2 As presented at the 1997 Dimensional Fund Advisors’ Conference, The University of Chicago Graduate School of Business.
3 “Does Asset Allocation Policy Explain 40%, 90%, or 100% of Performance?” by Roger G. Ibbotson and Paul D. Kapplan, December 1968, revised April 1999.

 

Scot Roche, J.D., CPA
Executive Officer
LCV Wealth Management, Ltd.

Offices

Rockford
815.399.7700
Fax: 815.399.7644

Sterling
815.626.1277
Fax: 815.626.9118

Freeport
815.233.1512
Fax: 815.233.1487

Dixon
815.284.3331
Fax: 815.284.9480

Mendota
815.539.5049
Fax: 815.539.5644

 

  
   

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