Skip to content

Moderate Investment Strategies

Whether you're focused on value-oriented diversification or dividend and option income, our moderate investment strategies will provide you with decent exposure to the market while simultaneously providing safeguards to protect you from further risk. 

Balanced Income

Ideal Blend of Growth and Interest

moderate strategy

About Balanced Income

Using our time-tested ability to identify undervalued assets, we created a strategy designed to accommodate investors who have a lower risk tolerance but still desire some exposure to the potential growth of the stock market. This investment approach primarily focuses on attaining an income stream through stable dividend-paying companies and quality corporate bonds. We will also purchase other income-producing securities such as preferred shares or treasury bonds and notes. The equity-to-bond mix will range between 40-60 percent depending on the investment environment. Market interest rates and other economic forces will determine the optimal equity-to-debt mix. This is a fully diversified program designed to reduce risk from any one stock, bond or sector. As with all of our programs one or more of KPP Financial principals invest their own money alongside their clients, which we call “Parallel Investing.”

Financial Planning and Analysis:
Riskalyze Score Range: 30-65
 
Income Focused | Moderate Volatility | Value Oriented Diversification
 
Accounts in this program are held and cleared through Charles Schwab. For more information about their account protection, visit Charles Schwab Institutional.

Fee Breakdown

$250,000 - $499,999      0.40% of Assets Per Quarter

$500,000 - $749,999      0.35% of Assets Per Quarter

$750,000 - $999,000      0.30% of Assets Per Quarter

$1,000,000 and Over       0.25% of Assets Per Quarter

Note – Billing occurs at the end of each quarter. It is calculated using the market value on an accrual basis of your account(s). Accrual basis means that dividends and interest ‘earned’ but not yet ‘posted’ as paid are used to compute the billing. The billing is also based on cash flow meaning all additions and subjections of funds in the client’s account during the billing period are prorated base on the number of business days left in the billing quarter. It is also rounded off to the nearest dollar amount.

 

Equity Income+

Dividend Investing with a Boost

Moderately Aggressive Strategy Graphic

About Equity Income+

Stock investment returns can come from two places, price appreciation, and dividend income. While most investors chase after appreciation, many are unaware that income accounts for roughly half of the returns from stock investing. We also know that most options expire worthless which gives the advantage to whoever is getting income by writing them.  This is why we developed this strategy that only holds dividend-paying stocks and adds an extra boost of income by writing covered calls on those positions. By doing this we add consistent income from dividends and option premiums which creates a moderately aggressive strategy. As with all of our programs, one or more of KPP Financial principals invest their own money alongside their clients, which we call “Parallel Investing".

Financial Planning and Analysis:
Riskalyze Score Range: 50-75
 
Dividend & Option Income |  Below Market Risk  |  Steady Growth Strategy
 
Accounts in this program are held and cleared through Charles Schwab. For more information about their account protection, visit Charles Schwab Institutional.

Fee Breakdown

$250,000 - $499,999      0.55% of Assets Per Quarter

$500,000 - $749,999      0.50% of Assets Per Quarter

$750,000 - $999,000      0.45% of Assets Per Quarter

$1,000,000 and Over       0.40% of Assets Per Quarter

Note – Billing occurs at the end of each quarter. It is calculated using the market value on an accrual basis of your account(s). Accrual basis means that dividends and interest ‘earned’ but not yet ‘posted’ as paid are used to compute the billing. The billing is also based on cash flow meaning all additions and subjections of funds in the client’s account during the billing period are prorated base on the number of business days left in the billing quarter. It is also rounded off to the nearest dollar amount.

 

Unsure of What Type of Investor You Are?

Take our Risk Assessment Questionnaire to determine which one of our programs works best for you.