Portfolio Management

Understanding who you are is critical in constructing an effective portfolio strategy.  Your goals, outlook and risk tolerance are the foundation of which we build upon your individualized investment portfolio.

In today’s world, there are common needs and desires people seek to accomplish. To protect their ability to earn and accumulate wealth, many people choose to hold insurance, as well as maintain an emergency fund, to guard against depleting savings that are intended for other goals.

Portfolio Construction takes into account many different aspects which aims to:

  • Align your portfolio with your values, needs and goals.
  • Provide an appropriate risk/reward scenario.
  • Improve tax efficiency where possible.
  • Minimize costs over the life of the investment portfolio.
  • Allow investment management agility.

Our process involves academic research, fundamental and technical analysis in addition to our own proprietary research.  While there is no secret formula, we feel incorporating different aspects from various methodologies provides a holistic view.

Accumulation planning also involves the choice of securities for your investment portfolio. Basic securities are stocks, bonds, and mutual funds. Separately managed accounts, indices, option strategies, short-term assets, and annuities also may be used to optimize your portfolio.

Alternative investments may also be an option for the right investor. One of the premier features of alternative investments is diversification, resulting from the inclusion of investments that react differently to the markets than more traditional investments. Managed futures, hedge funds, oil and gas, tax shelters, and real estate are all examples of alternative investments. These products generally involve substantial risk and limited liquidity.

Some situations require different expertise than typical stock and bond portfolio implementation. These situations usually pertain to employer-related retirement plans and stock options, margin strategies, and real estate exchanges.

Most investors understand that as risk increases, the potential for return also increases. But there is a point for every individual where the level of risk is not worth the potential return. The goal of asset allocation is to provide you with the risk/return scenario that is most comfortable for you.

Investors should note that diversification does not assure against market loss and that there is no guarantee that a diversified portfolio will outperform a non-diversified portfolio.

Alternative investments may be illiquid in nature, redeemed at more or less than the original amount invested, subject to special risks and not suitable for all investors.