Overview
Our investment strategies are based on meeting the long-term needs of each client. As a result, the portfolios we manage are constructed using specific asset allocation targets and are maintained until your individual situation indicates that a change is necessary. A portfolio’s target characteristics do not change with the market, but rather with your overall investment objectives.
For individual investors, we primarily invest in mutual funds, but where appropriate, include individual stocks and bonds. These investments are used to populate the allocation strategy that is expected to produce the returns and risk consistent with your overall objectives and risk tolerance. We also offer clients individual stock portfolios, as appropriate.
We rely on a wide variety of sources of information, including but not limited to electronic and print data services, financial publications, credit rating agencies, company regulatory financial filings and press releases. Our mutual fund selections are based on mutual fund data services and information issued by the fund families.
Select and Monitor Investments
How We Select and Monitor Investments
Our investment selection methodology is rigorous and tested to meet the needs and risk tolerances of each individual client.
Underlying all of our investment strategies are proprietary, quantitative models designed to help us evaluate the relative risk and historical characteristics of each investment alternative. We assign a numerical score to each of the characteristics that our research tells us is important, and then rank the alternatives from most attractive to least attractive.
Once the alternatives are ranked, we do even more research, which is focused on finding the information our models can’t predict.
For individual investors, we primarily invest in mutual funds, but where appropriate, include stocks and bonds. These investments are used to populate allocations that are expected to produce returns and risk consistent with your long-run objectives and risk tolerance. These portfolios range from conservative to aggressive and are tax-efficient, diversified, low-cost, and are risk-managed consistent with your overall goals.
Once investments are selected for your portfolio, they are monitored on an ongoing basis to ensure that they continue to meet our criteria. When an investment fails to meet our threshold, it may be placed on a watch list, or it may be removed immediately depending on the situation. If an investment does not meet our monitoring criteria after three quarters on the watch list, it will be replaced.
