Frequently Asked Questions

We suggest starting with a cash reserve of 3 to 6 months of expenses and then moving to investing dollars that are above and beyond that threshold. We have strategies from $100 and beyond.

This would depend on your “INVST IQ,” meaning how you handle risk-to-reward on your money. But generally, we would suggest a basic brokerage account for assets not in retirement accounts. In this account, we can invest in almost anything but would usually start with a foundation model which gives good diversification. We have some simple ETF based models for modest accounts and would build toward more complex strategies as you grow and where appropriate.

This is dependent on the timeframe and the goals themselves. As we work with many small business owners, we might look at a securities-backed line of credit or perhaps a moderate model if the timeframe is shorter in order to incorporate some protection on the downside while providing upside potential.

This depends on your needs — anywhere from 5 to 40% is where our portfolios tend to land.

Both are usually good if you have funds set aside. Continued savings balanced with being invested in a diversified portfolio usually provides the best opportunity for growth.

We would look at opportunities for funding and put a plan together based on the business you would be considering. Ideally nothing too aggressive for the investments but we also wouldn’t just look at cash or bonds. It really depends on your comfort level and anticipated timeframes.

Generally, not unless the market drops. Those funds, whether invested or not, are likely all liquid — meaning they can be sold for downpayments, etc. We would invest these funds in positions that allow cash to be relatively accessible.

Yes, I do, plus I have a contact who used to work as an SBA Loan Officer, who I can call on for the more intricate applications.

Yes. We provide all of these mentioned services plus help with estate planning and business insurance, and work with your team of CPAs, lawyers, insurance agents and others to be sure everyone understands your goals and how we can all come together to work toward them.

As a registered investment adviser (RIA), INVST LLC is held to a fiduciary standard, which means we are obligated to put your interests first in the advice and services we provide. Because we are an RIA, we are not confined to a limited menu of products or investment options. That allows us to recommend strategies and opportunities based on your goals, timeline, and overall financial needs.

We are compensated based on the assets we manage, and through our insurance division we may also receive compensation from insurance companies when a policy is placed. We provide access to a wide range of investment and protection solutions, which allows us to make recommendations based on your needs and goals. We do not have account minimums, and enjoy working with people who are focused on growth and value having a consistent resource alongside them as they build their business, care for their family, and plan for the future.

We start with an initial meeting to identify your “Why” and what your money needs to do for you. We then setup a portal for you to see your full financial picture in one place, identify the areas for improvement, and put lost money back to work for you. Usually, the initial process is 3 to 5 meetings, and then as needed while you move forward with your business buying decision. We aim to be a trusted partner you can rely on through every stage of life and business. Our clients are more than accounts to us — they are relationships we value deeply. As your goals evolve and your family, business, and future grow and change, we are here to provide guidance and support each step of the way. Below is an outline of our process for your reference: INVST Process