Financial Planner in Mount Vernon and Skagit County

A successful investor maximizes gain and minimizes loss. Though there can be no guarantee that any investment strategy will be successful, and all investing involves risk, here are some basic principles we use that may help you invest more successfully.

Better manage the volatility you experience.

Grow assets over the long term.

Long-term compounding can help your investments grow.

It’s the “rolling snowball” effect. Put simply, compounding pays you earnings on top of your reinvested earnings. The longer you leave your money at work for you, the more exciting the numbers get. While you should review your portfolio on a regular basis, the point is that money left in an investment offers the potential of a significant return over time. With time on your side, you don’t have to swing for investment “home runs” in order to be successful.

Stay the course for long-term gain.

Riding out market volatility sounds simple, but it can be scary when the stock market takes sudden dips. Still, it’s important to remember three things: 

  • Diversify Investments: The longer you stay with a diversified portfolio of investments, the more likely you are to reduce your risk and improve your opportunities for gain. Though past performance doesn’t guarantee future results, stock prices have advanced higher over the long term.
  • Plan Your Timeline: Take your time horizon into account when establishing your investment game plan. For assets you’ll use soon, use conservative investments designed to protect your principal. Conversely, invest more aggressively for goals that are many years away.
  • Consider Risks: During any given period of market turmoil, some asset categories historically have been less volatile than others. Bond prices, for example, have generally been less dramatic than stock prices. Though diversification alone cannot guarantee a profit or ensure against the possibility of loss, you can reduce your risk by diversifying among various asset classes.

Consider liquidity in your investments.

Liquidity needs should affect your investment choices. If you’ll need the money within the next one to three years, consider savings accounts (which are insured by the FDIC), or short-term bonds and money market funds (which are neither insured or guaranteed). Your rate of return will likely be lower than riskier investments, but you’ll breathe easier knowing that the principal is protected and quickly available.

Review your investments.

Your portfolio’s long-term success will depend on a periodic review process. There are several reasons to review your plan. Maybe your hot stock tip has frozen over. Maybe economic conditions have changed the prospects for a particular investment, or an entire asset class. As your circumstances change, your asset allocation will need to reflect those changes.

We are a financial Planner in Mount Vernon, WA.

Independence Is Its Own Reward

As an independent advisory firm, Prism Capital Management is not pressured by a parent company to direct you into their proprietary products. As a result, we have the freedom to provide you with a wide variety of investment choices from among the best that the financial services industry has to offer. And as a Registered Investment Advisor with the Securities Exchange Commission, we have a fiduciary responsibility to always put your best interests ahead of ours. You never have to worry about a conflict of interest when we make a recommendation.

As a fiduciary, we're different from other financial advisors.

As a Registered Investment Advisor regulated by the U.S. Securities And Exchange, Prism Capital Management LLC works exclusively for you, putting your interest first in all we do. Working as your advisor, we are a fiduciary and must always protect your best interests and disclose to you any conflicts that could prevent us from serving your best interests.

Our Process



In our first meeting, we work together to uncover your true financial needs, goals, concerns, and evaluate your current financial position.

Financial Framework

With a better understanding of where you are and where you want to go, we will design a customized, actionable plan to help you achieve your goals.

Mutual Commitment

Once you have had a chance to review your plan, we can answer all of your questions, respond to any concerns, and then decide together how to proceed.

Implementing Your Plan

If you want, we can take care of the paperwork and get your plan moving forward. Call us at any time for information or if you have questions.


As life changes, so do your goals. To make sure your plan remains in line with your goals we will meet regularly to review your progress and ensure your plan continues to fit your objectives.

Realize your wealth's potential

Schedule Your Investment Consultation

Send us a note below to meet with Prism Capital Management and discuss how we can help you make the most of all that you own, now and for decades to come!

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