is a Registered Investment Advisor serving clients across the United States.


3850 Bessemer Road

Mount Pleasant, SC 29466

(843) 972-4402


(Your information stays safe with us.)

© Copyright Convergent Financial Group 2017

Investment Strategy

Riskalyze - assess risk and its impact to you and your investments

We at Convergent believe it's important to maximize returns over the long haul by keeping the buying and selling to a minimum.  The idea is to avoid the fees and the drag on performance that can occur with frequent trading.  We don't attempt to profit from short-term price fluctuations or try to "time the market."

We help you obtain diversified exposure to global asset classes, while balancing the risk within each asset class.  This strategy is based on Efficient Market Theory and Modern Portfolio Theory by Nobel Prize winner Harry Markowitz.  The basic concepts of the theory are the relationship of risk and return, portfolio diversification, and the efficient frontier.

We use exchange-traded funds (ETFs) to construct each portfolio.  An ETF is a security that tracks an index, a commodity, or a basket of assets just like an index fund, but trades like a stock on an exchange.  We use both stock and bond ETFs in our portfolios because of the liquidity, diversification, and low management fees they offer.

When you stay invested for the long-term, you are more likely to achieve your goals than when you chase "hot tips" for quick profits in the stock market.  Emotional reactions, lack of discipline, and trying to time the market can affect your long-term investing success.  As you can see below, unchecked human bias and reaction can affect decisions, returns, and the way assets are allocated... all of which affect your success.

Investing - Greatest Potential Risk and Greatest Potential Opportunity

The journey to retirement is long so we want you to be prepared for any volatility along the way.  That's why we address risk head-on by using the Riskalyze technology to understand your risk tolerance and personalize your portfolio recommendations.  By using Riskalyze, which is based on the Nobel Prize winning Prospect Theory, we can accurately quantify your risk tolerance.  Too much risk and you may be seeing red.  Just the right amount of risk will have you in the safe space you want to be.  That means your portfolio is tailor built for you, which increases your probability for success.

Custom built portfolio using Riskalyze

Sounds good.  Tell me more.