Irving Planning & Investments, Ltd. is registered as an investment advisor. We strive to offer excellent high-integrity financial planning and investment advice to individual investors, primarily middle income people. We carefully listen to our clients so that we can make appropriate investment and financial planning recommendations to help our clients achieve their goals. We take pride in servicing our clients well by meeting with them regularly and promptly returning their phone calls.

We seek to use the same approach to investing as sophisticated pension plans and high net worth investors. We build broadly diversified portfolios for our clients using qualified investment managers. By rebalancing portfolios on a regular basis and sticking to our discipline, we believe our clients are likely to achieve their investment goals with less volatility along the way.

We work hard to make the investment process as simple as possible for our clients. We are available to our clients to discuss personal financial events, market volatility, spending, savings and investment goals, and any other concern. We promptly invest deposits to accounts to help maintain proper portfolio asset allocation. If a client needs to withdraw money from an account for any reason we promptly sell the appropriate investments to help maintain the portfolio balance and we have a check either mailed to the client or have it made available for pickup at a local Charles Schwab office. Each year we process required minimum distributions from IRA and other tax sheltered accounts for client's age 70 1/2 and older so that they avoid income tax penalties. We provide quarterly portfolio performance summaries so clients can see how their investment portfolio is performing and we are available to personally review the portfolio quarterly. We provide our clients and their tax advisors with year end realized gains and losses reports to use to complete and file the federal 1040 and state income tax returns.  We care very much about doing an excellent job for our clients. 

Please note that rebalancing investments may cause investors to incur transaction costs and, when rebalancing a non-retirement account, taxable events will be created that may increase your tax liability.  Rebalancing a portfolio cannot assure a profit or protect against a loss in any given market environment. Investors should be aware that investing based upon strategies or models does not assure a profit or guarantee against loss.