Investment Process

Investment Principles

We build well diversified portfolios aimed at capital preservation, downside protection, and long-term growth.

Focus on Clearly Articulated Objectives
Every asset in a portfolio is chosen as part of an overall wealth management strategy that is built in consultation with your broader financial plan.

Balance Security Types
Our team has expertise in individual stock and bond research, as well as fund manager due diligence. We select both the asset class and product type that best fits your portfolio with respect to current market conditions.
 

Maintain Consistent Long Term Asset Allocation
Asset allocation is the major driver of long-term portfolio performance. We consistently rebalance to maintain your proper asset allocation as determined by your personal risk and return objectives.

Ongoing Due Diligence
Prudent asset management requires ongoing due diligence. Our holdings, asset allocation, forecasts, and return assumptions are constantly being reviewed by our team in response to changing macroeconomic conditions.
 

Investment Methodology

 

Our Investment Committee meets regularly to review market conditions, current and prospective portfolio holdings, and portfolio management techniques. Our goal is to ensure that the team’s decisions are reached in a deliberative, consistent way utilizing the diverse knowledge of our senior investment professionals.

Macro and Economic Analysis

 

Security Type Selection

 

Fundamental Analysis

 

Valuation Analysis

 

Implementation

 

Review

Equity

 

Fixed Income

We use individual stocks for large cap exposure, constructing a core equity portfolio of roughly 45 stocks which are diversified among economic sectors. We may also use active and indexed mutual funds and ETFs for enhanced diversification and liquidity needs.

Our analysts focus on finding companies with attractive fundamental attributes, sustainable business models and competitive advantages, and long-term growth potential which enhance the strength and diversification of the broader portfolio. 

 

 

We focus on high quality investment grade bonds, issued by entities with strong governance and balance sheet management across the corporate, municipal, and government segments.

We actively adjust the credit quality, sector, and maturity weightings of our portfolio considering evolving rate, credit, and spread conditions. We implement strategies such as laddering and duration management to help meet specific income and distribution needs.

 
NOT FDIC INSURED ARE NOT GUARANTEED MAY LOSE VALUE
ARE NOT DEPOSITS ARE NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY ARE NOT A CONDITION TO ANY BANKING SERVICE OR ACTIVITY

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