A client’s life-stage and individual circumstances provide the investment parameters. Our overriding philosophy is to find the most conservative investment path that will fit into a client’s long range plan. The following list is an overview of the methods we utilize.
The financial plan must drive the investment and wealth management strategy! When selecting appropriate investments it is crucial to have a long range plan that guides ALL investment decisions. Every investor should ask how their financial advisor decides if their portfolio is in-line with their goals and future needs. Ideally, the investment strategy is specifically designed to fund their goals.
Investment Portfolio Quality
All of our investment portfolios contain a high percentage of quality, dividend paying companies. We select companies that have a record of paying consistent dividends and that we believe have a strong likelihood of future increased dividends. In the past, these types of companies have been far less volatile than many other options in the market.
Tactical adjustments are influenced by an analysis of the current three year economic business cycle. Our aim is to take advantage of probable trends that occur along various points of the business cycle.
We attempt to limit risk in portfolios through extensive diversification, utilizing a variety of investments and investment strategies that include equities, fixed income, mutual funds, alternative investments, sustainable investments and hedging strategies. We monitor interest rate issues and incorporate defensive positions that we believe can help reduce overall market risk.
We proactively rebalance accounts, systematically buying where we see value and taking profits from asset classes that have appreciated.
Dividends are not guaranteed and are subject to change or elimination. Past performance is no guarantee of future results. Diversification does not guarantee profit or protect against loss in declining markets. Alternative investments are complex investment vehicles which generally have high costs and substantial risks.