How We Invest
Individual financial plans are the blueprint for your investment portfolio construction. Financial plans are developed by careful evaluation of 4 major factors. Like four legs of a chair, these four components unique to you need to be in relative balance for you to remain comfortably seated.
- Facts and Circumstances
- Goals and Objectives
- Risks
- Expenses
Your investment portfolio must be carefully and strategically aligned to your financial plan. Further, while we’re long-term focused, your portfolio must also take into consideration short-term volatility to ensure that you can stay comfortable and committed to your plan.
How we align your plan, to your investments
Our portfolio construction is made up of 5 strategic components. We utilize these components to build strategic investment models or custom personalized models for individual clients.
- Risk Tolerance
- Asset Allocation
- Security Selection
- Management of Expenses & Taxes
- Portfolio Rebalancing
Our Satellite and Core Holding Structure
We use both passive and active investment structures and predominately utilize Exchange Traded Funds and Mutual Funds. We are long-term focused but utilize a proprietary 80-Core/20-Satellite portfolio structure. Your Core holdings are invested in areas central to the success of your asset allocation strategy. Your Satellite holdings tilt towards intermediate to long-term market trends and are more actively managed. We leverage the expertise of our networks to evaluate data that enables us to make data drive, low-emotion decisions that are prudent for our client’s portfolios.
Our Investment Models
We manage five signature client models ranging from Income up to Aggressive Growth. Most client investment portfolios use a blended model approach where diversity and risk are precisely matched to client financial plans. We also manage three base level models for smaller investors that benefit from a simple approach. Our investment models will always be fluid, but we do not make changes without rigorous due diligence and alignment with our philosophy of long-term durability.
Our accredited financial planners strive to be your prudent partner, through the ups and downs that inevitably come with the markets. Our well-established process of checks, balances and data analysis ensures that every decision is made for a very specific reason.
