Investments By Design, Inc

Investments By Design provides ongoing discretionary portfolio management and financial planning to a client base that includes individuals, high‑net‑worth individuals, and some corporate or business entities. The firm prepares individualized Investment Policy Statements and offers a range of planning services — retirement, tax, estate, insurance, and education planning — delivered through comprehensive plans and a la carte hourly engagements.

The firm’s investment approach draws on multiple methods of analysis (fundamental, technical, charting, and cyclical) and employs a mix of strategies including long‑ and short‑term trading, short sales, margin, and options writing alongside allocations to mutual funds, equities, bonds, ETFs, REITs, and insurance products. Accounts are reviewed on a regular schedule and managed to match each client’s documented goals, time horizon, and risk tolerance as set out in the client’s Investment Policy Statement.

Notably, the firm’s principal is a licensed insurance agent and the brochure discloses the sale of commissionable insurance products, which the firm identifies as a potential conflict of interest that it will disclose to clients. It also serves corporate/business clients (an uncommon client type for similar independent advisers) and uses higher‑risk trading techniques such as short sales, margin, and options writing, which may distinguish its tactical flexibility from many small advisory peers.