Following the steps in the investment management process are critical in the establishment and management of a sound and prudent client investment portfolio.
Investment Plan
- Each client has unique goals and objectives and our investment approach centers on establishing a prudent investment plan which clearly understands and identifies your goals and objectives, risk tolerance, cash needs and tax position
- With the investment plan in place, we will then customize a portfolio to help achieve your long-term goals while controlling the amount and types of risk undertaken
Asset Allocation
- We believe asset allocation is the key decision in meeting your long-term goals
- Consistent with your investment plan, a target asset allocation is established along with permitted ranges to provide flexibility with investment strategies
- Investment guidelines are in place and monitored to ensure your asset mix stays consistent with your investment plan
Portfolio Construction
- A vital part of portfolio construction is prudent risk management
- We believe in the benefits of diversification for managing the risk and return profile of a portfolio
- The focus of risk centers on how all the investments perform as a total portfolio as opposed to the inherent risk of any single investment vehicle
- Portfolios will be diversified at the asset class, sub-class, industry and geographic levels
- We are cost conscious when constructing a portfolio and will incur only reasonable costs
Disciplined Investment Approach
- We employ a consistent and disciplined “top-down” investment approach
- We begin with an assessment of economic conditions and capital market trends
- Based upon this assessment, we establish a tactical asset allocation strategy
- Tactical asset allocation strategies are long-term in nature, are consistent with established investment guidelines, and are approved monthly by the management committee
- We are certain the benefits of time in the market greatly outweighs the risks of timing the market
- We will actively manage your risk expectations through education and communication