Looking for a better investment experience?
An astute investor once noted, “Investing is simple, but that does not make it easy.”
As an investment advisor, we have certain core beliefs.
- First, successful investing requires a long-term outlook, persistence, and patience during market stress.
- Second, keeping costs low will give you the potential to achieve higher returns.
- Third, delivering a better investment experience requires a philosophy governed by prudence and an evidence based investment style.
- Fourth, working with a fiduciary investment advisor at an RIA is the best way to insure your advisor is putting you first.
Below, you will find a description of our investment process. This shows the steps we use to build and maintain our client’s accounts.
In addition, you can view our investment philosophy to learn more about the research and data behind our approach.
We work with you to build an investment policy statement (IPS). This statement helps us outline and understand your risk preferences and income requirements. This will enable us to build a portfolio strategy that meets your needs.
First, the most significant part of the investment management process is asset allocation. This involves targeting a percentage of your portfolio to be invested in the three major asset classes. equities (stocks), fixed income (bonds), and cash. Generally, these targets are based on your age, risk tolerance and income requirements.
Your portfolio strategy is further developed by allocating within asset classes to various sectors. This will ensure proper diversification. Examples within the equity asset class include the following: value, growth, middle capitalization, small capitalization, international, and emerging markets.
The implementation of your portfolio strategy involves using various investment vehicles to create a prudent and well-diversified portfolio. As always, our portfolio construction process aims to build portfolios that keep costs low and target well researched investment strategies.
Financial markets are dynamic. Investment portfolios can become out of balance. Therefore, we may affect small changes in the portfolio within the context of the IPS. This may involve portfolio rebalancing back to the target asset allocation. Further, there may be subtle changes among sectors.