Investment Philosophy & Style

Our advisors' investment philosophy is grounded in the core belief that unbiased active decision-making, asset allocation, and diversification are the keys to successful investing over the long term.

Before our advisors make a single recommendation, they gain an understanding of your ultimate financial objectives. By asking the right questions and attentively listening to your financial goals, they recommend personalized solutions, avoiding a one-size-fits-all approach to portfolio construction.

Strategy

Our advisors' strategy is to build a well-diversified* portfolio that seeks to maximize return while minimizing risk within the constraints defined by our client.  As a part of this strategy, they may select and hire highly skilled, rigorously monitored money managers outside of the immediate practice. This strategy seeks to utilize superior “best of class” securities management in appropriate asset classes.

They coordinate traditional asset classes with alternative allocation protections to optimize and compliment a given unique portfolio.

 

Risk Management

To paraphrase Will Rogers: We believe that return of capital is as important as return on capital. This philosophy ensures that our advisors' investment approach focuses on the balance between maximizing growth and managing risk.

The inherent risk to a clients’ portfolio must be aligned with their overall compensation. Our advisors recognize this may result in excluding the latest “hot” security or market trend. Adherence to this discipline helps our clients’ portfolios to be compensated for the risks associated with the securities owned, all while helping to generate returns.

Continuous Monitoring

Active management produces consistent, superior results and is a critical component of our success. That is why our advisors not only monitor the securities markets, but also proactively monitor allocation and policy objectives to our clients’ changing requirements.

Reliable Performance Measurement

Our dependable reporting system takes the guesswork out of portfolio performance with easy-to-understand, customized reviews. You will receive accurate portfolio history since inception, with a focus not only on performance as a percentage, but the risk control measurements that are critical to our position in managing wealth for the long term. Our system allows for reporting multiple portfolios in one succinct report, supporting your individual financial goals and providing a “big picture” holistic performance review of your wealth management.

Our Investment Strategy

Risk Focus

  • Volatility Reduction
  • Downside Protection
  • Performance

Investment Discipline

  • Asset Class Allocation
  • Bottom-Up Fund Selection
  • Maco-Economic Adjustments

Financial Needs

  • Financial Goals
  • Projected Cash Flow
  • Target Rate of Return

Steps in creating investment strategy:

Financial Plan

  • Record income, expenses
  • Inventory assets
  • Project future portfolio values
  • Project future cash flows
  • Simulate outcomes

Benchmark

  • Calculate net income needs
  • Determine risk profile
  • Set annualized target rate of return

Risk Diversification*

  • Guideline portfolio allocation determined
  • Recommended portfolio allocation review and adjusted for macro-economic and geopolitical factors
  • Client portfolio asset allocation

The Portfolio

  • Select investments with a solid risk profile, upmarket capture, down market resistance, low volatility, consistent style, and low costs.
  • 10,000 + Mutual Funds & ETF’s screened :
    • Pre-Selection Screening
    • Quantitative Evaluation
    • Qualitative Analysis
    • Investment Selection

Monitor Results

  • Track your portfolio daily
  • Provide 24/7 online support
  • Analyze portfolio asset allocation quarterly
  • Conduct in-depth account reviews annually

 

*Asset allocation and diversification do not guarantee a profit or protect against loss.