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.