Investment Management

Investment supervision: Once the appropriate asset allocation has been designed, we invest the assets in low-cost, tax-efficient mutual funds and exchange traded funds. In terms of equities, we take into account market capitalization (small, mid, and large), investment style (value, blend, and growth), industries and sectors, and the split between domestic and international stocks. On the fixed income side, we determine the appropriate weighting between government and corporate bonds, the duration and maturity, the ratings, and the amount of domestic versus foreign exposure. Alternative investments, such as commodities and real estate investment trusts (REITs) can be appropriate for a portion of one’s portfolio for further diversification. 

We frequently review clients’ portfolios making tactical changes when warranted and rebalancing them to maintain the target asset allocation. We also make adjustments as clients make additions to, or withdrawals from, their accounts.  Client Communications: Client's utilizing our investment management services receive a high degree of communication. We send out our Quarterly Commentary which can include our thoughts on where the economy and markets have been and are going, as well as our current investment strategy. Twice a year we invite each client to meet with us for a Portfolio Review. This gives us a chance to see how our investments are performing, how comfortable the client is with the model portfolio choice, and to discuss any life changes that may affect the asset allocation. It is also a chance to address any financial planning issues outside of investments. During the Portfolio Review, each client receives annual reports which include performance review, unrealized gain/loss statements for cost basis tracking, realized gain/loss statements for tax purposes, and transaction reports showing dividends and interest.