Our Approach

Our Investment Philosophy

At Michael MacDonald Financial, we use a “best of breed” approach: After much research and investigation we establish relationships with investment managers who demonstrate dedication and excellence, and are in our opinion the “best of their breed.”

We believe that diversification, as a sole risk reduction tool, is not enough. Because LOSS MATTERS! It matters financially and emotionally. Loss is not just about percentage losses, it is also about the loss of time. By implementing “The Accumulate and Protect Overlay Strategy” we utilize diversification as an overall risk reduction tool and protection as a loss-minimizing tool.

“Accumulate and Protect,” as we call it, is a process that we believe keeps us true to your goals, objectives, and risk tolerance. Under this disciplined program we track the S&P 500’s 12-month rolling average. Each month we take the closing price on the last trading day and add it to our rolling average. If the new average number is above the rolling average we continue on until next month. If the new number is below, we track the close daily until it goes back above the 12-month rolling average. If instead the new average falls 5% from the rolling average, we transfer 75% of your investment with us into a defensive, or “protected,” mode. When the market recovers, we re-enter the market to get back to our original portfolio allocation.

Our philosophy is to create customized investment portfolios, monitor them carefully, and provide active management. Our investment method includes:

  • Diversification. Your assets are placed in different investment classes, from individual stocks, mutual funds, and ETFs to bonds, real estate, and commodities, both of with are accessed throught ETF's and mutual funds not the direct holding. Then we rebalance your portfolio regularly to maintain the proper mix.
  • Active Management. We take action based on market trends. We are participants in the market, managing your assets with a view toward taking advantage of clear opportunities.
  • Risk Management. Every action we take is guided by your risk profile established in the Riskalyze process. In most portfolios we apply the “Accumulate and Protect” strategy. We have extensive experience in the insurance and risk management field.
  • Cost Controls. We primarily use Exchange Traded Funds (ETF) as well as institutional no-load funds with low expense charges.

Disclosure

Securities are offered to residents of AZ, CA, ID, NM, NV, OR, TX and WA. Advisory services offered to residents of CA.

Branch office: 2300 Contra Costa Blvd Suite 175, Pleasant Hill, California, 94523

United Planners Financial Services Of America is a Registered Investment Advisor and is Registered with the Securities Exchange Commission (SEC). The ADV is provided to advisory clients and available to all by request.

Michael J. MacDonald Insurance Services is Licensed with the California Department of Insurance, License #0576809. We are Licensed for Property and Casualty, Life and Disability, Variable Products, and Mike has fulfilled all Certification requirements for the sale of Long-Term Care and the California Partnership as well.

Michael J. MacDonald is an advisory representative offering securities and advisory services through United Planners Financial Services Of America, member SIPC. Insurance may be offered through United Planners Financial Services Of America. United Planners Financial Services Of America are not affiliated with Michael MacDonald Financial Management.

Contact Details

Michael MacDonald Financial
2300 Contra Costa Blvd Suite 175
Pleasant Hill, CA 94523

Email: mikemac@thefinancialadvisor.org
Website: thefinancialadvisor.org 
Phone: 925-521-0110