How to Invest Money | Danvers MA | Ipswich Bay Advisors

Our Investment Management Philosophy

Wealth Management

The wealth management philosophy of Richard Cella III and the Ipswich Bay Advisors team centers on a comprehensive approach to long-range planning and customized investment advice. With over 30 years of investment and financial planning experience, we have collaborated with many, hard-working professionals, business owners and families.

We seek to help moderate and conservative investors who want to live well and preserve wealth through careful private-asset management, retirement and tax planning as well as estate and long-term care planning. We can help you coordinate your goals and objectives into a well-devised financial plan from learning and understanding every facet of your financial situation and managing your wealth according to your personal investment strategy.

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Becoming an IBA Client

The foundation of our relationship is a precise, disciplined approach to successful long-term investing. We combine investment strategies with the agility needed to take advantage of timely opportunities.

We possess a wide range of financial planning experience. Whether your needs relate to retirement, education, or another financial purpose, we specialize in developing a customized plan appropriate for your situation. We achieve a thorough understanding of your investment goals and establish a comfortable risk level by listening carefully, asking the right questions, and consulting with other professional advisors when needed. We analyze your current financial situation and use these findings to prepare a personalized investment policy that details your big picture. This plan becomes our blueprint for addressing your goals.

We then monitor portfolio performance while consistently checking to ensure that your assets are appropriately positioned. This allows us to decide if reallocation and proper rebalancing of these positions is needed. We communicate with you regularly, providing performance reporting and recommendations as they present themselves.

We invest in comprehensive investment and financial planning resources and systems to ensure we have the latest financial and economic information at our fingertips including: Morningstar, Emoney and Nadaq Dorsey Wright.

We also will work synergistically with your other financial or legal professionals to ensure your needs are being properly managed. When situations arise and outside specialists are needed, we will work with your professionals or recommend one of our own. We have partnered with several other professional firms and consultants to help you with estate planning, accounting, insurance and other services.

You are under no obligation to use the services of any of our strategic partners, and may choose any qualified professional to provide ( tax, CPA, legal, mortgage, etc. ) services. Any strategic partners and their services are not affiliated with LPL Financial Ipswich Bay Advisors.

See our Research Based Investing

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Richard and the Ipswich Bay Advisors team will design portfolios that offer the opportunity to achieve market performance results while maintaining below average risk factors (as identified by our investment monitoring and portfolio analyses systems [1] ).

Our strategy is based on improving cash flow and then investing in long-term assets that also have good earnings potential and a higher degree of relative safety. The assets are selected for non-correlation. During high-risk periods in the markets, risk exposure is reduced to help preserve assets. Thus, clients could have more to invest and, theoretically, a better chance of meeting their performance expectation on their investments.

All investing involves risk including the possible loss of principal. No strategy assures success or protects against loss.

See an Example for our Strategic Portfolios