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Upper Left Wealth Management is a Registered Investment Advisor run by CFP®, Randy Kurtz. Information presented on this site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. ULWM is only allowed to provide services to clients in states where we are registered or exempt from registration for various reasons. Please contact us to obtain a listing of the states in which we are currently doing business.

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Upper Left can reduce risk

without reducing expected return

Our global portfolios seek to help investors accumulate wealth, generate income, and preserve capital. Our DataDriven Process helps us achieve lower volatility portfolios. 

CONSERVATIVE PORTFOLIO

You want to keep your money secure.

The goal of the Conservative Portfolio is to preserve purchasing power over time and match or beat inflation. During retirement, we advise between two to five years of projected withdrawals be allocated merely to preserve purchasing power. If a market crash occurs, your portfolio will ideally remain intact. This provides a way to fund your life without having to "sell low" during market turmoil.

 

Why not just put our money in the bank to preserve its value? Inflation.

If you found a quarter on the ground 30 years ago you had two options: you could save it, or you could buy a can of soda. If you saved it in a piggy bank and cracked open that piggy bank today, the quarter would still be there, but was it safe? A can of soda now costs around a dollar, and we can’t buy much of anything for twenty-five cents.

CORE PORTFOLIO

You want your money working for you over time.

The name Core represents the center and majority of your investment portfolio. Central to the Core Portfolio's goal is global diversification. If done properly, diversification should reduce risk but not reduce return. We believe in taking on no more risk than is necessary. Based on a Nobel Prize-winning theory, Core Portfolio is intended to replicate the Tangency Portfolio in Modern Portfolio Theory. Removing the guesswork with your money, Core Portfolio relies on math and finance, and led to this feature in Forbes.

AGGRESSIVE PORTFOLIO

You want to take more risk with your money.

Aggressive Portfolio still uses the DataDriven Process but is more aggressive in overweighting and underweighting investments based on valuation. While Aggressive Portfolio is available, our Core and Conservative portfolios meet most client needs.

 

This type of investing is only suitable for two types of investors. The first has more than enough money to meet their needs and merely wants some money in riskier investments. The second doesn’t have the asset base to likely meet their long-term needs, and they have to take on risk somewhere in their life. Upper Left will only work with the first type of investor.