Investment Management:

Portfolio Design and Management

We will use your Investment Policy as the basis for determining the appropriate allocation of funds among various asset classes including stocks, bonds, and cash. The amount of funds available, your time horizon, tax issues and other considerations will influence the actual securities selected for your accounts. We primarily employ structured, institutional asset class mutual funds, exchange traded funds, and individual fixed income securities to fund our portfolios. These instruments enable us to construct highly effective portfolios.

Our structured approach to portfolio management accomplishes three goals:

• Proper asset allocation

 Determining a deliberate exposure to the various asset classes to meet your financial objectives

• Cost management

The more you can reduce costs, the more return you keep

• Tax management

Lower turnover, careful harvesting of gains and losses, and intelligent withdrawal planning to reduce the negative drag of taxes on your returns

We believe that regular rebalancing is a crucial part of portfolio management and critical to maintaining an appropriate asset allocation over time.

Academic studies suggest that such rebalancing can add up to 1% or more to a portfolio’s expected return. The institutional funds and exchange-traded funds we employ are selected for their disciplined adherence to asset class exposure as well as for their extremely low turnover and expense ratios.

More importantly, we relate the performance of your investments to your overall financial goals on a regular basis.

Beating one index or another is not the true measure of success. Being able to retire comfortably, affording the college of choice, or being able to sleep during protracted market downturns are more meaningful barometers of successful investment planning. This regular evaluation of your overall financial situation, along with our expertise in portfolio management, are some of the things that set us apart from traditional money managers. 
 

We calculate portfolio performance on a quarterly basis, net of our advisory fees, and furnish clear, understandable reports so you can easily see how your accounts are doing.

We accept new investment portfolios of $1,000,000 or more for discretionary asset management services. Our annual investment advisory fees are: