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Investment Management That
Maximizes Your Goals
We create tailored portfolios for our clients on a discretionary basis that meets their financial objectives and investment needs based on risk tolerance. Since we manage our clients' portfolios on their behalf, they are no longer their own enemy.
Our investment management service also includes the following:
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No minimums
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Investment outlook newsletter
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Ongoing portfolio rebalancing
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Tax-loss harvesting
Although we cannot answer the questions on our website as each financial situation differs, we encourage you to reach out to us for a free assessment.
Investment Philosophy
Our view is to create tailored diversified investment portfolios that meet the needs of our clients. Each portfolio construction has the goal of protecting and growing wealth over time.
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Strategic Asset Allocation
Strategic asset allocation is the key component for creating high performing portfolios.
We construct portfolios with the goal of maximizing returns relative to a client's risk tolerance.
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Top-Down Focus
We seek a top-down approach when we construct portfolios.
We consider macroeconomics which looks at the overall biggest factors affecting the economy as a whole. Then we seek how it will factor into sectors and individuals companies.
Quantitative Analytics
We use quantitative analysis when constructing our client's portfolios. This allows the maximization of expected returns while minimizing the exposure of risk given a client's risk tolerance.
Investors cannot expect a return without some level of risk.
Diversification
Diversification increases returns while decreasing risk.
Portfolios with different asset classes such as cash, stocks, bonds, international exposures and alternatives have a much better opportunity for a positive return.
Investment Management Services
Our fee is a tiered fee, paid in arrears, is calculated by assessing the percentage rates using the predefined levels of assets as shown in the below chart and applying the fee to the daily average account value of the previous quarter.
AUM | Annual Fee |
|---|---|
$0 - $2.5MM | 0.85% |
$2.5MM - $5MM | 0.75% |
Over $5MM | 0.70% |
Held Away Account Services
We offer services for clients who would like non-discretionary (held-away account) advisory services.
Our advisory fee is a tiered fee, paid in arrears, is calculated by assessing the percentage rates using the predefined levels of assets as shown in the below chart and applying the fee to the account value as of the last day of the previous quarter.
AUM | Annual Fee |
|---|---|
$0 - $2.5MM | 0.50% |
$2.5MM - $5MM | 0.45% |
Over $5MM | 0.40% |
We offer services for business clients who would like our advisory services as a 3(21) Investment Advisor in a co-fiduciary capacity for employee benefit plans.
The annual plan expenses related to investment advisory services (e.g., fund selection, monitoring, and employee education). This does not include fees to other parties, such as Recordkeepers, Custodians, or Third Party-Administrators. Fees for this service are either paid directly by the plan sponsor or deducted directly from the plan assets by the Custodian.
Our advisory fee is a tiered fee, paid in arrears, calculated by assessing the percentage rates using the predefined levels of assets as shown in the below chart and applying the fee to the account value as of the last day of the previous quarter.
To accommodate start-up employee benefit plans, we will charge a minimum flat fee of $750 per quarter ($3,000 annual), paid directly by the plan sponsor, until assets reach a total balance of $500,000, which, at that point, the fees revert to the below schedule.
AUM | Annual Fee |
|---|---|
$0 - $500K | $3,000 |
$500K - $1MM | 0.60% |
$1MM - $1MM | 0.50% |
Over $5MM | 0.40% |
Investment Management Process
Step 1:
Complimentary Assessment
This 30-minute meeting lets us ensure your situation matches our knowledge and experience.
Ready to move forward?
We encourage you to reach out to us for a free assessment.
Step 2:
Strategy Meeting
Just like when you go to a doctor to diagnose an issue, they prescribe a solution after they know your situation. We do the same when it comes to your financial situation.
Before this meeting, you will fill out an investor profile that will assist in getting a high-level overview. The information will help tailor this 1-hour strategy meeting as we work together to gain more knowledge of your investment knowledge and risk tolerance.
We will require the following account details (if applicable):
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Investment account statements
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Retirement account statements
The more details you provide, the better we can help.
Step 3:
Developing Your Investment Policy Statement (IPS)
Based on the risk tolerance score, the IPS is a written plan that provides direction and guidance for your customized portfolio that is optimized to meet your investment goals and objectives. We create a diversified portfolio with ideal weights and distribution between cash, stocks, bonds, international exposure, and alternatives.
Step 4:
Execution of IPS
Once client approved, we begin to invest your funds based on the IPS. The objective is to achieve the benefits of diversification to minimize risk.
Step 5:
Check-in Progress Review
After becoming a client, we hold review meetings to discuss progress and any new significant changes to your goals, objectives, constraints, or circumstances.
We will also reach out to our clients to reevaluate goals, decisions, and upcoming life events.
You are no longer alone!