We believe our clients are best served with a diversified investment portfolio designed to help preserve their assets in down markets while enabling them to participate in market gains during rising market cycles.
We conduct an individual needs assessment which allows us to tailor investment strategies to each client based on their risk tolerance and financial condition.
We construct client portfolios using a fundamental and technical analysis approach to asset allocation. We have the flexibility to utilize, but are not limited to, stocks, bonds, ETFs, mutual funds and cash alternatives.
We practice strategic and periodic rebalancing of portfolios as economic conditions, or personal goals change. We believe in maintaining deep understanding and relationships between ourselves and our clients, and frequent communication is critical to this process.
Fundamental analysis considers economic factors including: Gross Domestic Product (GDP), interest rates, inflation, inventories and unemployment. It also considers industry factors such as: earnings, sales and products. As independent advisors, we value and utilize fundamental research from fully independent research providers.
Technical analysis is based on the study of historical security price movements and past trend patterns. This data is provided by an independent quantitative research firm. This charting research is based on the concept that price movements in the market are the result of supply and demand.
Active management places an emphasis on individual security selection to sector, market and geographical selection. While passive management aims to track the performance of market indices such as the S&P 500.
Our investment due diligence and monitoring process utilizes Commonwealth Financial Networks retirement plan 3(38) fiduciary standard. The Fi360 Fiduciary score is a peer percentile ranking of an investment against a set of quantitative due diligence criteria selected to reflect prudent fiduciary management. The criteria include total returns, risk-adjusted returns, expenses and other portfolio statistics. Investments are ranked according to their ability to meet due diligence criteria. The Fi360 Fiduciary Score represents a suggested course of action; however, it is not our sole source of information for reaching an investment decision.
