John M. Leonard LLC
Registered Investment Advisor (RIA)
“The essence of investment management is the management of risk, not the management of returns.”
Benjamin Graham – The Intelligent Investor
Our Services
John M. Leonard LLC offers individualized portfolio strategies for each client based on his or her financial objectives, time frame, and risk tolerance. John M. Leonard, CFP®, owner and registered principal, has over 45 years experience in the capital markets. Through his extensive experience, John has come to believe the best way for investors to invest is to always know the primary trend of the markets and construct their portfolios accordingly.
Investment Account Management
As a state licensed Registered Investment Advisor (RIA), John M Leonard LLC carries a fiduciary responsibility which means there is a legal duty to act in the client’s best interest. Not in the interest of an investment company or the advisor’s personal interest. Account management services are fee based at an annual rate of 1% to 1.5% dependent on the total assets under management.
Trend Analysis
Markets are constantly changing because they are price discounting mechanisms for the future and are constantly looking six months beyond the present in the price discovery process. Reading what the market is saying, rather than what major news outlets are saying, allows us to recognize and understand market trends.
Portfolio Analysis and Asset Allocation
Understanding major market trends and utilizing a client’s individual risk tolerance and time frame we can determine the best portfolio allocation to meet financial goals. Risk tolerance analysis is done early in the client/advisor relationship and is continually updated to accurately reflect current investment needs.
Retirement Cash Flow Analysis
Knowledge of financial security in retirement is critical to the investor’s peace of mind. The individual’s personal criteria is used to help determine how best to position the investment portfolio for investment security in retirement. A software program capable of tracking the client’s cash flow of investable assets and anticipated expenditures is implemented to get a reasonable approximation of cash flows throughout the retirement years.
Overview
Market Analysis
John is a capital market analyst and provides insight from his research and extensive experience
The Trend is Key
We take a top down macro approach to determine what the primary trend is and position portfolios accordingly.
Relationship Based
John is attentive and personable as he partners with clients in making the best decisions based on individual goals and objectives.
Risk Tolerance Evaluated
John recognizes that everyone’s risk tolerance level is different and that it changes over time. Understanding each investor’s risk tolerance, John is able to tailor his investment advice to each individual’s needs.
Fee Based Service
We’re a fee based service ranging from 1.0% – 1.50% depending on the size of assets under management. Therefore, we have a de facto partnership in that, as the client portfolio grows, John’s compensation also grows.
“My experience has given me the understanding that Capital Markets are price discounting mechanisms, which are constantly working to discover future pricing, typically six months ahead. Today’s news headlines were discounted by Capital Markets in terms of price months ago. I follow a trend based investment strategy that leans into timing the market.”
John M. Leonard
About Us
John M. Leonard LLC is a Registered Investment Advisory (RIA) firm located in West Michigan providing fee-based portfolio management, financial planning and retirement planning. The firm’s principal, John M. Leonard, capital markets analyst, and is a Certified Financial Planner™ professional. John has been in business in the Saugatuck/Douglas area since 1991 and has been involved in the capital markets continuously since 1973.
Our Team
JOHN M LEONARD, CFP®
Phone: 269-857-2860
E-mail: [email protected]
John M. Leonard, CFP® is a registered principal and owner of John M. Leonard LLC. John is registered by the Securities and Exchange Commission (SEC) and the State of Michigan. He is a Certified Financial Planner™ professional. John began his career in the financial services industry in 1973 and has been an independent financial advisor since 1991. In 2005, John became a state licensed Registered Investment Advisor (RIA).
John’s background includes First National Bank of Chicago, Bond Department; Vice President Kidder Peabody, Inc. Chicago; Vice President US Govt. Securities Dept., Smith Barney, Inc., Chicago; Owner Raymond James Financial Services, Inc. Branch Office, Douglas MI.
Continuing education is completed on a regular basis to remain in compliance with regulatory authorities.
JOHN M LEONARD, CFP®
Phone: 269-857-2860
E-mail: [email protected]
John M. Leonard, CFP® is a registered principal and owner of John M. Leonard LLC. John is registered by the Securities and Exchange Commission (SEC) and the State of Michigan. He is a Certified Financial Planner™ professional. John began his career in the financial services industry in 1973 and has been an independent financial advisor since 1991. In 2005, John became a state licensed Registered Investment Advisor (RIA).
John’s background includes First National Bank of Chicago, Bond Department; Vice President Kidder Peabody, Inc. Chicago; Vice President US Govt. Securities Dept., Smith Barney, Inc., Chicago; Owner Raymond James Financial Services, Inc. Branch Office, Douglas MI.
Continuing education is completed on a regular basis to remain in compliance with regulatory authorities.
CINDY VAN WYK
E-mail: [email protected]
Cindy has been an integral part of the business since 1995 serving as Office Administrator and the primary customer service contact.
DONNA K LEONARD
E-mail: [email protected]
Donna K. Leonard, John’s wife, also has extensive experience in the capital markets and serves as an assistant to John.
CINDY VAN WYK
E-mail: [email protected]
Cindy has been an integral part of the business since 1995 serving as Office Administrator and the primary customer service contact.
DONNA K LEONARD
E-mail: [email protected]
Donna K. Leonard, John’s wife, also has extensive experience in the capital markets and serves as an assistant to John.
John believes the single most important thing an investor or investment manager can know is what the primary market trend is and to invest accordingly.
Our Method
We take a macroeconomic, top-down approach to the markets.
We believe the old, simple strategy of “buy and hold” is no longer relevant and is in fact dangerous. After two market crashes occurring within the same decade, we have developed a strategic asset allocation system that has as its purpose the identification of the major market trend that is in place at any given time. Clients are advised as to the major direction of the market and the appropriate portfolio composition. In short, our goal is to be in the market when the major trend is up, and out of the market when the major trend is down.
A wide variety of sources of information and analysis are used including, but not limited to, The Wall Street Journal, The New York Times, Standard & Poor’s, CNBC and several private technical and fundamental analysis and research services. Over the years, John has developed proprietary technical indicators and strategies as well.
John believes the single most important thing an investor or investment manager can know is what the primary market trend is and to invest accordingly.
Investment Recommendations
The investment advice provided is custom tailored to meet the needs and investment objectives of each individual client.
John continually monitors market conditions and will provide clients with recommendations for their investment portfolio accordingly.
As an independent Registered Investment Advisor (RIA), John M. Leonard LLC does not take custody of clients’ cash or securities but rather utilizes the custody services of TD Ameritrade Institutional, Division of TD Ameritrade Inc, member FINRA/SIPC.
References are available upon request.
We take a macroeconomic, top-down approach to the markets.
We believe the old, simple strategy of “buy and hold” is no longer relevant and is in fact dangerous. After two market crashes occurring within the same decade, we have developed a strategic asset allocation system that has as its purpose the identification of the major market trend that is in place at any given time. Clients are advised as to the major direction of the market and the appropriate portfolio composition. In short, our goal is to be in the market when the major trend is up, and out of the market when the major trend is down.
A wide variety of sources of information and analysis are used including, but not limited to, The Wall Street Journal, The New York Times, Standard & Poor’s, CNBC and several private technical and fundamental analysis and research services. Over the years, John has developed proprietary technical indicators and strategies as well.
John believes the single most important thing an investor or investment manager can know is what the primary market trend is and to invest accordingly.
Investment Recommendations
The investment advice provided is custom tailored to meet the needs and investment objectives of each individual client.
John continually monitors market conditions and will provide clients with recommendations for their investment portfolio accordingly.
As an independent Registered Investment Advisor (RIA), John M. Leonard LLC does not take custody of clients’ cash or securities but rather utilizes the custody services of TD Ameritrade Institutional, Division of TD Ameritrade Inc, member FINRA/SIPC.
References are available upon request.
Get in touch with us!
John M. Leonard LLC
201 Center Street
PO Box 278
Douglas, MI 49406
Phone: (269) 857-2860
CRD # 134756