GOAL-ORIENTED INVESTMENT MANAGEMENT
We offer a goal-oriented investment management philosophy. Our portfolios are carefully designed to each client’s unique situation and use individual stocks and bonds for greater control. By hand-selecting stocks and bonds for each portfolio, we can strategically plan the timing and magnitude of capital gains. In addition, we are better able to project future income.
Our team develops your portfolio using a combination of our investment management strategies and bases it on the following:
- Goals and objectives for both yourself and your family
- Your risk tolerance
- Expectations for capital growth and need for income
WHAT TO EXPECT WITH OUR INVESTMENT MANAGEMENT SERVICES?
- Risk-averse investing focused on achieving your long-term goals
- Investment decisions that draw on over 35 years of experience navigating complex markets
- A diversified portfolio of individual stocks and bonds crafted to meet your growth and income needs
- A long-term investment approach with a focus on owning good companies, rather than just good stocks
- A process that considers both the macro-environment (big picture) as well as a fundamental analysis of each company
HOW DO WE SELECT SECURITIES?
Our approach uses both “top-down” and “bottom-up” analyses. This provides a view of the bigger picture as well as detailed analysis into the individual securities considered for each portfolio. Only companies that satisfy requirements for both our top-down and bottom-up analyses are considered for inclusion. For additional details, click the “learn more” link under the how we select securities section below.
CAN WE CUSTOMIZE PORTFOLIOS TO YOUR PERSONAL SITUATION?
Our Advisors use information gathered from client meetings, goal discussions, risk tolerance questionnaires, and financial plans to develop individualized, goal-oriented, and balanced investment portfolios. Each portfolio consists of a mix of different investment strategies that range from higher risk to little-to-no risk. In addition, our advisors customize necessary elements of our investment management process to each client’s particular situation. Ways in which we customize portfolios include:
- TAX-SENSITIVE INVESTING: We can spread a sizable taxable event over multiple years to reduce an individual’s total multi-year tax burden. In addition, we can help avoid important tax triggers that may have an outsized effect on overall finances.
- LEGACY POSITIONS & RESTRICTED COMPANIES: This may include holding a position in a company not included in our investment strategies or intentionally not investing in specific companies for reasons personal to the client.
- OTHER: Our process allows us to work within various investment constraints.
How We Select Securities
Our top-down approach analyzes and provides an overview of the macro-economic environment, or the broad economy. This includes trends in overall global economic growth, employment, inflation, and more. Once complete, this analysis is used to determine sector allocation within our investment management strategies.
Our bottom-up approach looks at individual securities (stocks and bonds) in detail. We carefully compare each security or company to its sector and competitors. As a part of our analysis, we consider the company’s financial situation, management team, business strategy, ability to adapt, and track record.
Simplify your finances.
We take a comprehensive approach to investment management. Our suite of services is designed to help you achieve your goals, ensure your family is taken care of, minimize your tax burden, and protect your legacy.
There are unique risks and benefits to investing in either individual bonds or in bond mutual funds. We have detailed a few of these risks and benefits below. Price Stability of Individual Bonds vs. Mutual Funds When buying an
As a parent or grandparent, you want to help guide your loved ones towards a path of success. Teaching them about compound interest and the importance of investing early in life will help guide them down the right track
Interest rates remain at historically low levels. While we expect the Federal Reserve to start a path toward higher interest rates in March, we are also experiencing high inflation. This can put a strain on those focused on generating
In our last Q&A, we discussed the role of fixed income (or bonds) in a balanced portfolio. Continuing on the topic of balanced portfolios, dividend-paying stocks also play a key role in balanced portfolios, providing sector and industry diversification.
Balanced portfolios combine various asset classes and investment strategies to balance an appropriate level of risk with an acceptable level of return. These portfolios are typically comprised of a mix of equities (i.e. stocks) and fixed income (i.e. bonds).
Risk tolerance refers to the amount of loss an investor is prepared to take on when making an investment decision. Everyone has a different level of risk tolerance based on their personal financial situation and stage of life, and
We get this question on a regular basis, usually when the stock in question has recently been in the news and has seen a meaningful move higher in price. When building portfolios, we choose high-quality companies with consistent and
It is always the right time to revisit your investment strategy or asset allocation. In fact, we recommend that our clients meet with their advisor on a yearly basis, or following a lifechanging event, to revisit their risk tolerance,