Investment Plans

Having an appropriate investment plan is a very important part of making sure a client's investments stay healthy.

At TheraWealth, LLC, we focus on managing risk and helping build a portfolio that is truly in line with how the client feels about risk.

While some advisers try to get investors excited about investment returns, we spend a lot of time talking about the downside risks of investing. We want your investments to grow, but we don't want you to take more risk than you are comfortable with and lose sleep at night worrying about them. Your investment plan is not based simply on a mathematical formula related to your goals; it is also dependent on how you FEEL about risk. We will help you formulate a plan that you feel comfortable with throughout the ups and downs of the market. Portfolios are professionally managed, efficient, and tend to use low-cost funds and individual securities.







  1. We will have an in-depth conversation about investment risks. This is where we talk about "how spicy" you like your investment mix to be.
  2. We will build a portfolio recommendation for you based on our conversation, review it together, and adjust, if necessary, in order to make sure it is what you want.
  3. Once you are happy with the proposal, we will work together to move money into the portfolio.
  4. We will periodically review the investments to make sure they are working the way you intended.
  5. We will adjust the portfolio as needed.

1Asset Allocation does not ensure a profit or protect against a loss but is intended to help manage your goals and risk tolerance

Michael Kremer,CFP® is an agent licensed to sell insurance through New York Life Insurance Company and may be licensed with various other independent unaffiliated insurance companies in the state of Texas. No insurance business may be conducted outside the specific states referenced.

Michael Kremer,CFP® is a Registered Representative of and offers securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC. In this regard, this communication is strictly intended for individuals residing in the state of Texas. No offers may be made or accepted from any resident outside the specific states referenced.

Michael Kremer,CFP® is also separately registered as an Investment Adviser Representative, under Eagle Strategies LLC, a Registered Investment Adviser, offering advisory services in the state of Texas. As such, these services are strictly intended for individuals residing in Texas.

TheraWealth, LLC is not owned or operated by NYLIFE Securities LLC or its affiliates.

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