Investment Management Services
Everything begins with a clear assessment of your financial needs and goals which ultimately determines the rate of return your portfolio needs to generate in order to accomplish those goals. Once the minimum return is agreed upon, our asset allocation strategy and portfolio recommendations are made. Our investment process involves constructing a well-diversified portfolio that invests in domestic and international equities, investment grade municipal or taxable bonds, commodities, real estate, precious metals and other high quality and alternative investment vehicles. Investments are reviewed on a regular basis. This internal review consists of evaluation of the performance of our clients' portfolios, recommendations of any needed adjustments, and consideration of new opportunities available to clients at the time.
We believe that fundamental macroeconomic factors influence global financial markets and that tactical investment decisions should be based on these large macro-economic factors.
Our investment philosophy is conservative in nature. It is based on evaluation of what investment categories will fare well given the scenarios we believe will play out over time. Apart from standard asset classes, we review opportunities to invest in alternative investments as well as securities that have favorable valuations. At times we may choose to invest opportunistically, choosing not to buy for new clients until the price is right, which may mean our portfolios take time to be fully invested in the recommended allocation.
No strategy assures success or protects against loss.
International and emerging market investing involves special risks such as currency fluctuation and political instability and may not be suitable for all investors.
Municipal bonds are subject to availability and change in price. They are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise. Interest income may be subject to the alternative minimum tax. Municipal bonds are federally tax-free but other state and local taxes may apply.
The fast price swings in commodities and currencies will result in significant volatility in an investor’s holdings.
Investing in Real Estate Investment Trusts (REITs) involves special risks such as potential liquidity and may not be suitable for all investors. There is no assurance that the investment objectives of this program will be attained.
Alternative investments may not be suitable for all investors and should be considered as an investment for the risk capital portion of the investor’s portfolio. The strategies employed in the management of alternative investments may accelerate the velocity of potential losses.
Stock investing involves risk including loss of principal.