Wealth Management

 
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Generate Lasting Wealth

The universe of investment options can seem daunting.  Our goal is to move the confusion to clarity and purpose.  Wealth Management starts with identifying risk tolerance, time horizon, and objectives.  The investment process begins with these three pillars firmly in place. Asset allocation is the most important decision you will make because it’s the driver of all future investment returns. We also understand taxes and fees play a vital role in the assets you retain.  We use tax efficient and low cost options in order to plan around taxable events to the extent it matches your goals.

 
 

Investment Approach

 
 
 

Exchange Traded Funds (EFTs)

Exchange Traded Funds (ETF’s) have been in existence since the early 1990’s.  Today there are more than 5,000 ETF’s to choose from.  ETF’s are essentially a basket of securities that trade intraday like an individual stock.  ETF’s have many advantages such as instant diversification, low fee structure and tax friendly as they do not typically spin off capital gains.  We use ETF’s to gain access across many market segments in a cost-efficient manner.

 

Mutual Funds

Mutual Funds, like ETF’s, are a basket of securities.  Unlike ETF’s, Mutual Funds are only priced once a day at the close of market.  Because mutual funds typically have higher expense ratios than ETF’s we will only use a mutual fund if we believe the fund offers an opportunity that the ETF market cannot duplicate.

 
 
 
 

Sector Rotation

Sector rotation is the process of identifying where we are in the market cycle and taking advantage of perceived opportunities in a specific sector of the market.  We have developed our own proprietary set of data points that we utilize for our decision-making process.  It is our belief that this process adds value to the portfolio and can enhance returns in the long run. Sectors are reviewed on a quarterly basis and are a supplement to our core equity positions.

 

Fixed Income

Fixed Income in many respects is the most complicated part of asset allocation.  Fixed income has its own unique set of risks ranging from credit risk, interest rate risk, as well as market risk.  The decision of whether a portfolio should hold treasuries, corporate bonds or municipal bonds are key decisions to delivering the best after-tax returns. We use a variety of instruments to achieve the goal, including ETF’s, mutual funds, separate managed accounts and individual positions.

 
 
 
 

 

 

A multi-faceted approach to wealth management

  • Exchange Traded Funds (EFTs)

  • Mutual Funds

  • Separate Managed Accounts

  • Individual Positions

 
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Financial Planning Services