Investment Management
Proper asset allocation is the key to achieving financial goals, while sound research and due diligence create the pathway enabling us to manage risks and deliver results.
We understand working with a financial professional is a big decision.
It is important to consider their industry experience, qualifications, knowledge, regulatory history, specialization, services, fees, and available support. When considering your wealth and financial future it would be beneficial to work with a firm that has:
Comprehensive financial expertise
Targeted insights
Internal resources
Cross discipline integration
Our Process
We want to understand your current financial situation—and what you want it to be. Not just for today, but over the course of your life. This will allow us to implement an appropriate strategy and financial plan specifically for you.
Establish a Foundation
We initially spend time learning about you, your family, interests, financial needs, and investment goals. We’ll ask a lot of questions and do some talking as well.
Develop Your Plan
We work as a team, leveraging our resources to determine an appropriate asset allocation and create a financial plan toward achieving your short- and long-term goals.
Point of Contact
You will have a designated portfolio manager responsible for your portfolio, asset allocation, providing updates and other ongoing communication. They will utilize our in-house expertise, including analysts and tax professionals, when making decisions about your investments.
Analyze, Implement and Evaluate
Next, they will utilize macroeconomic and security-specific analysis for a wide array of traditional and private investments to identify securities believed to provide favorable investment opportunity. This information is used to construct an appropriate portfolio allocation toward accomplishing your goals. We are looking for themes we believe will provide the best outcome, then search within those themes for optimal investment vehicles for your specific portfolio.
Monitor and Adjust
We continuously monitor your performance and allocation and will adjust your portfolio based on updated price targets and market conditions, consistent with your needs. These themes, investments, and analyst recommendations are discussed at weekly Investment Committee meetings. Analysts, portfolio managers and traders all attend this meeting to ensure timely and consistent communication, while encouraging insightful and productive discussion.
Assets Considered
Individual Equities
Using our own valuation models, we focus on companies that we believe to be high quality, employ solid management teams, have strong economic moats and show a history of favorable cash flow.
Equity Exchange-Traded Funds (ETFs) & Equity Mutual Funds
These are used to gain broad-based exposure to sectors with investment opportunities we feel will be profitable, allowing the relationship manager to deliver risk-adjusted returns consistent with each clients’ goals.
Bonds
Individual bonds, fixed-income ETFs, and fixed-income mutual funds are an excellent means to manage risk. Based on our ongoing research we formulate an outlook for interest rates and the credit cycle, duration targets, and quality, and adjust our holdings accordingly.
Real Assets
Precious metals, commodities, REITs and other real assets enable diversification not directly linked to the financial markets.
Alternatives
Private investments and other alternatives can offer diversification with low correlations to the financial markets, but, due to potential liquidity constraints, they only may be suitable for investors with specific qualifications and risk tolerances.
Cash
A cash allocation, money market, or equivalent has a place in all portfolios, providing capital preservation, security and flexibility, with a moderate yield.
Equipped to guide you through unique financial decisions
Financial decisions can be daunting. We bring expertise and guidance to each of our partnerships, building tailored solutions for each client's needs.
Dominant Benefit Theory
Some firms categorize their investments by stocks and bonds, cash and alternate investments. In our increasingly diverse investment universe, we find it more useful to focus on each asset’s dominant benefit—then construct your portfolio with a view to your relative risk profile.
Safety
The goal is stability of the investment principle. Risk and commensurate reward are relatively low. Examples include money market funds, certificates of deposit and fixed annuities.
Fixed Income
The goal is current interest income. While principal risk exists, the dominant benefit is the anticipated steady income by security. Examples include most types of bonds.
Equity Income
The goal is current, relatively high-dividend income, with growth as a secondary objective. Capital appreciation/depreciation potential and risk are more correlated to Growth investments. This includes high dividend yielding common stocks, preferred stocks, private placement notes, alternative investments, and real estate limited partnerships.
Growth
The goal is capital appreciation, any income paid provides a secondary benefit. Examples include common stocks with dividends, mutual funds containing growth stocks and alternative investments. The principal is at a higher risk of loss.
Aggresive Growth
The goal is to obtain significant capital appreciation. Typically, these types of securities do not provide income, and the risk of principal loss is higher than with the other categories. Examples include non-dividend paying stocks, aggressive growth mutual funds, alternative investments, most commodity-based investments, cryptocurrency exposure, and initial public offerings.
Start a conversation
We look forward to discussing how our team can help you achieve all your financial goals.