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Investment Planning

Doffin Investments

Doffin Investments is an investment management firm dedicated to providing clients with a simplified approach toward building and managing wealth. Since 2003, we have found pride in developing deep, long-term relationships with our clients. That is why our plans are always personalized and prepared to weather the storms of any wealth lifecycle. While we focus on helping retirement strategies, we also offer ideas for reducing tax liability, minimizing distribution requirements, and maximizing investment-related income. Through personal, hands-on service, we not only support clients toward financial freedom but educate them on the concepts and strategies used to get them there. Altogether, these techniques are used by Doffin Investments to guide our clients toward the three pillars of prosperity: Save. Enjoy. Leave.

Investment Planning Objectives

In the fast-paced digital world, we live in today, options for investing your money are ever-increasing, and there is no evidence that this will slow down. There is always a new trend or a new product available that stirs up a craze with inexperienced investors. However, each investment option can be categorized into three basic characteristics; safety, income, and capital gains. These options encompass the objectives of an investor. These objectives come with the innate ability to counteract one another. Finding the balance between the three is vital. A registered investment advisor will help with this, which is in part why investment planning is so important.


  • Safety – It is impossible to eliminate risk completely when investing. Every investment comes with some level of risk. Risk is inherent to investment. However, it is possible to get a very low level of risk and have a modest portfolio.
  • Income – Focusing on income can lead to purchasing some of these same fixed-income assets. However, instead of prioritizing safety, income becomes the goal. People at or near retirement tend to focus highly on income since they will no longer receive income from an employer.
  • Capital Gains – Capital growth is achieved when assets are sold. Stocks are capital assets. The stock market offers some of the most speculative investments out there because returns are unpredictable. However, some stocks are risky, and some stocks are even riskier. From blue-chip stocks to growth stocks, risk levels vary greatly.

Investment Options

Investing includes various products and services, including stocks, bonds, funds, bank products, options, annuities, retirement, and education savings. An investment planner evaluates your financial situation and recommends solutions based on many factors. Some include your financial goals for the future, risk tolerance, and certain life milestones such as planning for children’s education, saving for retirement, or anything in between. Common investment options might include:


Stocks – Investing in stock makes the investor one of the owners of a corporation. Stocks represent shares in ownership. The success or lack-there-of within the company directly affects whether you make or lose money on a stock.

Bonds – A bond is essentially a loan the investor makes to a corporation, agency, or organization in exchange for payments of interest over a term plus repayment of the principal at maturity.

Mutual Funds – Investment funds pool the money of multiple investors together and invest according to an outlined specific investment strategy. There are many types of funds with different features. Mutual funds are sold by prospectus.

Annuities -  are contracts between the purchaser and an insurance company. The company promises to pay periodic payments to the purchaser immediately or in the future.

Retirement – Saving for retirement and managing retirement income encompasses a wide array of various investment services. There are many vehicles to save for and manage money during retirement.

Education Savings – Saving for education is not simply tucking money away. There are many tax-advantaged plans available for saving for education.

Key Takeaways

At Doffin Investments, we have a team of financial professionals who have years of experience under their belts. Our goal is to ensure that you have an investment planner at your side who takes a holistic approach to developing your financial portfolio. We create comprehensive plans that support your financial future and help make available what you need today. Balancing primary investment objectives like safety, income, and capital gains is key to successful investment. A registered investment planner will ensure that your portfolio is diverse, balanced, and uniquely designed for your situation.

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