Investment Evaluation Checklist

1. Global Diversification

• Have I diversified my investments across multiple regions and sectors?
• Am I minimizing risk by avoiding overexposure to any single market or economy?
• Does my portfolio aim to capture long-term global growth opportunities?

2. Factor-Based Asset Allocation

• Am I using evidence-based factors (e.g., value, size, momentum) to guide my asset allocation?

• Is my portfolio constructed to balance higher expected returns with risk management?

• Does my allocation reflect a disciplined, repeatable methodology?

3. Fixed Income Risk & Income Strategies

• Have I assessed the credit quality, duration, and interest rate sensitivity of my bond holdings?

• Are my fixed income investments aligned with my personal risk tolerance and income needs?

• Am I implementing strategies to enhance yield without taking excessive risk?

4. Ongoing Tax Management

• Am I actively managing my investments to reduce taxes?

• Do I take advantage of tax-loss harvesting, asset location, and other tax-efficient strategies?

• Have I considered my filing status, income level, and long-term goals in tax planning?

5. Regular Portfolio Rebalancing

• Is my portfolio regularly rebalanced to maintain target allocations?

• Am I rebalancing to manage risk and potentially capture gains?

• Does my rebalancing approach reflect changes in my financial goals or market conditions?

6. Due Diligence & Portfolio Optimization

• Is there continuous research and due diligence applied to the investments in my portfolio?

• Are my holdings periodically reviewed and optimized based on current market trends?

• Have I checked that my account titling and beneficiaries are accurate and up-to-date?

7. Supporting Methodology & Reporting

• Do I receive clear, regular reports on portfolio risk and expected returns?

• Is my advisor evaluating the cost of investments relative to the value delivered?

• Are my investment strategies transparent and efficiently executed?

8. Personal Financial Alignment

• Have I clearly defined my financial goals and investment objectives?

• Are my tax returns and income estimates used in my investment planning?

• Does my portfolio consider my cash flow needs and spending priorities?

Investing involves risk of loss. Diversification and asset allocation strategies do not assure profit or protect against loss.

This content is being provided for informational purposes only and should not be construed as specific recommendations or investment advice. Always consult with your investment professional before making important investment decisions. Diversification and asset allocation strategies do not assure profit or protect against loss. Indices mentioned are unmanaged and cannot be invested into directly. Past performance is no guarantee of future results. Investing involves risk. Depending on the types of investments, there may be varying degrees of risk. Investors should be prepared to bear loss, including total loss of principal.

Securities offered through Registered Representatives of Cambridge Investment Research, Inc., a broker-dealer member FINRA/SIPC. Advisory services through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Cambridge and Sterling Edge Financial LLC. are not affiliated.

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