Would you rather do something else with your time than manage your investments?
We are investors not traders. We manage investments in a diversified manner with a total portfolio approach, incorporating all your assets, including real estate, business, employer plans and personal assets, like slices in a pie.
Our clients are looking for balance; someone to step into their shoes and invest the way they would if they had the time, the interest and the knowledge. It is our goal to help you understand, feel secure, confident, and capable every step of our path together.
We take into account where you are, where you want to be and how fast you want/need to get there.
First we determine your needs and objectives:
- Do you need income now or later?
- What are your specific investment goals?
- What is your investment history and/or experience?
- How well do you tolerate volatility or instability?
- Are there to be any restrictions?
Next we design a strategy to establish the slices of your “pie:”
- We set the direction you wish to take your manageable assets
- Balance your illiquid assets with manageable assets in a diversified manner
Together we update your plan regularly to adjust to your changing needs and goals. On a monthly basis we track the current estimate of our holdings. We have a system that enables us to more consistently “buy low and sell high” and helps to override natural human emotion.
Knowledge for your journey
What are manageable assets? Cash, stocks, bonds and other investments.
What are liquid assets? Assets that are hard to convert into cash or are lacking cash. e.g. Real Estate, Business, etc.
What are investment restrictions? Things you would never buy or sell.
A Diversified Approach with a Value Tilt:
Using our value oriented approach, we diversify by the three categories, stock, bond, and cash, as well as, by asset class and/or sector. We further diversify by active and passive type and equity style of growth and value. This diversification is done to reduce investment correlation.
We then measure this approach against a composite benchmark similar to your projected risk level. The broad approach utilizes a core and satellite structure and emphasizes liquid investments.
As the markets have become more volatile, we will use vehicles that protect us for this exposure primarily using mutual funds and ETFs. To balance that volatility, we use vehicles that utilize long-short, merger arbitrage, managed futures, commodity, currency, and tactical asset allocation strategies.
These are predominately satellite positions designed to cushion the portfolio in highly correlated down markets. Since we believe no one can accurately time the markets, we will stay as fully invested as possible based on the availability of reasonably priced securities.