What We Do
Personal Attention and Service – We believe each of our clients has a unique set of needs and deserves a truly personal approach.
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We have made a commitment to spend sufficient time with each client to truly understand their unique situation, taking into account their age, finances and household situation.
As a result we work with you to plan and design a tailored investment portfolio to meet your individual income and/or growth needs, monitor your plan and restructure your investment portfolio in a timely manner.
Tailored and Tactical Discipline – Our tailored approach is focused on building solutions and setting goals for you and your investment portfolio. We believe tactical asset allocation and investment style diversification are keys to achieving competitive, long-term returns with acceptable levels of risk.
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Our tailored approach allows us to work with you to incorporate specific restrictions and/or act unconstrained, e.g. willingness to exclude specific assets or sectors, underweight/overweight specific assets or sectors, or hold cash, as needed in our clients’ portfolios. Tactical allocation recommendations may be based on metric categories such as:
- Individual price relative to historical averages (Free cash-flow, earning, and book value).
- P/E relative to historical average for asset/sector/market.
- Asset or sector percentage relative to the 200 day moving average.
- Changes in forecasts or probabilities of market influences, e.g. interest rates, inflation, exchange rates, tax policy, geopolitical environment, natural events, supply/demand, changes in market structure, Fed Policy, etc…
We will build your personal investment portfolio with cost efficient securities, i.e. stocks, exchange traded funds (ETFs), and "no-load", institutional bond funds. This philosophy allows transparency, i.e. you know what you own, and also allows your portfolio to be modified to suit your needs and managed for tax efficiency. Once established, we will monitor and adjust your tailored portfolio in response to new opportunities and changes in economic outlook.
Performance Focused - Our aim is to deliver real returns that meet or exceed the returns required to achieve our clients’ objectives.
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Our strategy to achieve this is to build better, smarter, more adaptive portfolios which can inform our security selection and risk management in a way that is consistent, and adaptive to the reality of the prevailing economic environment.
Independent Thinking – We do not rely on popular trends, beliefs and outdated academic theories which may dictate other investment managers’ investment decisions.
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Rather our team of portfolio managers applies independent thinking through a structured analytical framework that is supported by investment industry research tools informed by real-time market information. This disciplined, situationally aware ethic enables us to focus solely on achieving strong risk-adjusted returns for our clients.
Tax Efficiency and Mindful of Costs - We believe you need a wise wealth management strategy. Therefore, we believe controlling expenses and taxes associated with investing will have a significant impact on an investment portfolio’s performance. We maximize after-tax returns, i.e. keep more of what you earn, by paying less tax!
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We operate on a fee-only basis that is transparent and based only on assets under management.
We then continue active tax management, e.g. deferring tax gains, harvesting tax losses, and determining which accounts ( taxable, tax-deferred, or tax-free) you will receive distributions with the aim to keep you in a consistently low tax bracket. This can tangibly add to your long-term wealth.