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We provide customized portfolios via separate account asset management. Customization considers each client's needs and special situations including:
A Custom Investment Policy Statement (CIPS) is written to serve as the cornerstone of your portfolio strategy. The benefits of proper portfolio customization cannot be achieved via mutual funds. Our separate account management will incorporate individual securities and, in special instances, exchange traded funds. It is critical for us to understand your specific investment objectives. This includes understanding goals such as when you would like to retire and what kind of lifestyle you envision or would like to maintain during retirement. Shorter term goals such as preparing for the educational expenses of children or the purchase of a vacation home would also be included. This understanding allows us to calculate the required portfolio returns to achieve these goals. Using historical performance data and our market forecast, we tailor a customized portfolio that allows the highest probability of achieving your objectives. Many people need to generate a systematic income distribution from their investment accounts. We are able to work with our clients to determine an appropriate and sustainable distribution. We can set up monthly, quarterly, or annual fund distributions via electronic transfer to a bank account or by check. Investment time horizon is a function of the purpose of your investments and an expected period during which they must provide security or income. Most people underestimate their time horizon because they tend to think of it as their life expectancy. The life expectancy is extended when both spouse's ages are considered. Additionally, half of all people outlive their life expectancy and this is a contingency for which investors must prepare. Other factors that extend time horizon include the desire to leave an estate to children or charities. As a general rule, portfolios with longer time horizons tend to have larger equity components. Each person views risk differently. We get to know our clients' attitudes through a written Confidential Client Profile. Profile responses are carefully assessed to determine client risk tolerance. We educate our clients so that they understand the ramifications of specific levels of risk in their portfolios. Each investor has a different tax situation. This includes present and future marginal and average tax rates, along with the unrealized gains or losses of the existing portfolios. We incorporate your goals and present situation into our overall portfolio strategy. We also use many tax efficient strategies. Liquidity is the ability to quickly sell investments at their present price. Large cap public companies are considered very liquid. Smaller companies tend to be less liquid. Treasury bonds are extremely liquid. Less liquid investments include smaller corporate bonds, muni bonds, and seasoned GNMAs. Employee stock options have caused many employees of public companies to hold a large percentage of their net worth in one company. Often, because they know the company well and because they hold low cost basis positions that have grown and may require taxes be paid upon sale, investors take substantially more risk than is required to accomplish their investment objectives. We work with our clients to educate them on the risks and benefits of concentrated holdings, and develop exit strategies when appropriate. Social Investment Restrictions Many investors have an aversion to investing in companies that produce products or maintain policies to which they object. We work with our clients to develop and maintain strict adherence to any social investment restrictions within a portfolio. This is part of our written Custom Investment Policy Statement (CIPS). |