Strategies 

Each of these strategies can be customized to meet a client’s cash flow and liquidity needs, income/return requirements, risk tolerance, time horizon, gain/loss restrictions, and tax considerations. Each strategy is designed to provide a diversified portfolio solution with a defined risk objective.

  • Ultra-Conservative Growth & Income – The portfolio is built around a long-term strategic allocation to the following asset classes: U.S. large and midcap stocks, emerging markets stocks, fixed income securities, and real estate. We select and invest in Exchange Traded Funds (ETFs) and mutual funds that are appropriate proxies for the above-mentioned asset classes as well as individual fixed income securities. The blended benchmark of comparison is 20% equities and 80% fixed income. The portfolio team utilizes fundamental, valuation, and technical analysis to tactically shift between asset classes to capture the benefits from both fundamental valuation changes and price momentum.
  • Conservative Growth & Income – The portfolio is built around a long-term strategic allocation to the following asset classes: U.S. large, mid, and small cap stocks, international and emerging markets stocks, fixed income securities, real estate, and commodities. We select and invest in Exchange Traded Funds (ETFs) and mutual funds that are appropriate proxies for the above-mentioned asset classes as well as individual fixed income securities. The blended benchmark of comparison is 60% equities and 40% fixed income. The portfolio team utilizes fundamental, valuation, and technical analysis to tactically shift between asset classes to capture the benefits from both fundamental valuation changes and price momentum.
  • Moderate Growth & Income – The portfolio is built around a long-term strategic asset allocation that typically includes investments in U.S. large, mid, and small cap stocks, international and emerging markets stocks, fixed income securities, real estate, and commodities. We select and invest in Exchange Traded Funds (ETFs) and mutual funds that are appropriate proxies for the above-mentioned asset classes as well as individual fixed income securities. The blended benchmark of comparison is 70% equities and 30% fixed income. The portfolio team utilizes fundamental, valuation, and technical analysis to tactically shift between asset classes to capture the benefits from both fundamental valuation changes and price momentum.
  • Aggressive Growth – The portfolio is built around a long-term strategic allocation to the following asset classes: U.S. large, mid, and small cap stocks, international and emerging markets stocks, fixed income securities, high yield bonds, real estate, and commodities. We select and invest in Exchange Traded Funds (ETFs) and mutual funds that are appropriate proxies for the above-mentioned asset classes as well as individual fixed income securities. The benchmark of comparison is 100% equities. The portfolio team utilizes fundamental, valuation, and technical analysis to tactically shift between asset classes to capture the benefits from both fundamental valuation changes and price momentum.
  • Dividend Focus – The portfolio is designed to provide stable, consistent, and relatively high income. The portfolio is built around a long-term, strategic, U.S. Large Cap stock sector allocation that typically includes investments in the energy, consumer staples, consumer discretionary, healthcare, utilities, technology, industrials, materials, telecommunications, and financial sectors of the S&P 500 Index. We select and mainly invest in common stocks, preferred stocks, master limited partnerships, and bonds that are appropriate proxies for the above mentioned sectors.The benchmark of comparison is the NASDAQ U.S. Broad Dividend Achievers Index. The portfolio team utilizes fundamental, valuation, and technical analysis to tactically shift between stock sectors to capture the benefits from both fundamental valuation and yield changes and price momentum.  
  • Taxable Fixed Income – The portfolio employs an active management discipline that strives for low volatility and enhanced risk-adjusted returns through duration positioning, sector allocation, and security selection. The portfolio is built around a long-term strategic allocation that typically includes investments in high quality, investment grade corporate notes/bonds, mortgage-backed securities, federal agency securities, and U.S. Treasuries. The benchmark of comparison comprises 1-10 year maturity investment-grade corporate notes/bonds, federal agency securities, and U.S. Treasuries.
  • Tax-Exempt Fixed Income – The portfolio employs an active management discipline that strives for low volatility and enhanced after-tax returns through duration positioning, sector allocation, and security selection. The portfolio is built around a long-term strategic allocation that typically includes investments in high quality, A-rated or better general obligation and revenue bonds. The benchmark of comparison comprises 1-10 year maturity investment-grade municipal bonds issued by states throughout the U.S.

Investments in various asset classes entail different investment risks. For example, small cap stocks tend to be more volatile than large or mid-cap stocks.  International and emerging markets stocks have exposure to currency fluctuations, foreign taxes, political instability and the possibility for illiquid markets.  Fixed income investments involve interest rate and credit risks among others. Real estate investing includes risks such as declines in value of real estate, changing economic conditions, tax laws or property taxes. Commodities’ investing is highly volatile and subject to changing economic conditions and the vagaries of speculators among other risks.  Further, diversification and strategic or tactical allocation do not assure profit or protect against loss in declining markets.