Here at Sawtelle Financial Management, we know that there is a better way to control risk in a securities-based investment portfolio. We have detailed knowledge of the management and rules of Qualified Investment Plans such as 403(b), 457(b), SEP/IRAs, IRAs, and 401(k) accounts, as well as individual or joint brokerage and trust accounts. Scott Sawtelle’s expertise in 403(b) accounts dates back to the early 1990s, when he discovered that there were very few competent advisors in this area. He quickly realized that this was an important service which he was in a unique position to provide.


Our primary goal at Sawtelle Financial Management is to use our expertise in portfolio analytics to prevent large fluctuations and losses while maximizing returns in your portfolio by creating a mix of assets that produces a better risk-adjusted result than any of the individual components. Diversifying risk across uncorrelated return streams is the best way to reduce your portfolio’s overall risk. In other words, we seek to make your whole portfolio stronger on average than any of its individual parts.

Unfortunately, almost all investors fail to grasp this concept, which leads to a great deal of poorly diversified investment portfolios which will perform very badly in the event of any market turmoil. Are you worried yet? If the answer is yes, give us a call and we will be happy to offer you a free no-obligation analysis of your current 403(b) accounts. You’ll learn what mistakes you are making in your investment portfolio and how they will affect your ability to achieve your retirement goals.

Smiling-Couple-Taking-Financial-AdviceWe believe that our understanding of portfolio analytics allows us to create portfolios for our clients that create a better risk adjusted return than any other traditional asset allocation model we know. This in turn reduces the portfolio’s risk and expected drawdowns.


With Sawtelle Financial Management, if you don’t profit, you don’t pay! If your account has a market value less than the sum of the beginning capital contribution plus subsequent net contributions all measured at the end of each quarter, you will not be charged a management fee for the following quarter.


Sawtelle Financial Management. 1250 NE Loop 410, Suite 350. San Antonio, TX 78209. Office: 210-822-5252. Fax: 800-615-9059