PORTFOLIO MANAGEMENT

Our portfolio management team employs a hybrid investment style combining modern portfolio theory and value-seeking methods to construct an optimal portfolio with the goal of maximizing risk adjusted after-tax returns. Custom client portfolios generally consist of a core allocation of both capitalization and fundamentally weighted ETF’s and mutual funds, with varying exposure to specific fixed income and individual equities. Each portfolio is constructed according to a client’s specific situation, risk tolerance, goals and objectives. We specialize in working specifically with clients who have closely held or concentrated, non-liquid assets and can take these into close consideration when constructing an Investment Policy Statement.

Services begin with a series of meetings between us and the client to review their long-term goals and objectives. These meetings include discussions on the client’s current financial situation, stated goals for investment assets, risk tolerance, time horizon, and liquidity needs and so forth. Once these discussions have taken place, the client is asked to fill out a confidential profile questionnaire that becomes the guideline for investment policy and recommendations. Investment decisions are based on a percentage allocation of investment classes; reallocating and rebalancing in the portfolio may be deemed necessary to meet the client’s needs and objectives as defined by the investment policy questionnaire.

Financial recommendations are developed and implemented on an ongoing basis and are summarized for clients through periodic reports, analysis and evaluations. Communications with third party advisors, including for example lawyers and accountants engaged by clients, are an integral part in development of client’s financial affairs.

Tenets

• Transaction costs and fees reduce return
• High turnover and taxes reduce return
• Your advisor should be held accountable for their results
• Accountability and trust are key to any relationship
• Investment decisions should be made cooperatively with your advisor
• Investment decisions are going to impact an investment portfolio over long periods of time, not just the next 12 months.

We follow strict fiduciary standards, putting our clients’ interests before our own and seeking to avoid conflicts of interest with our clients. We are compensated only by our clients.