Investor Policy Statement
Investment Process
By using a combination of Strategic, Dynamic, and Tactical Investment portfolios we help our clients mitigate risk and stay within their comfort zone.
We believe in broadly diversified risk-based portfolios that combine strategic, tactical, and dynamic components.
- Strategic Asset Allocation
- First the client completes a risk tolerance questionnaire which lets us know the timeline, and level of risk a client is willing to afford.
- By completing the risk tolerance questionnaire, the client has now set the strategic part of their allocation set.
- This gives us a foundation for your buy and hold strategy.
- First the client completes a risk tolerance questionnaire which lets us know the timeline, and level of risk a client is willing to afford.
- Tactical Asset Allocation
- Secondly, we monitor your portfolio for performance, and expenses and update the portfolio via rebalance and investment replacement no less than annually and sometimes more than quarterly. We monitor your investments for multiple performance factors such as 3, 5, and 10 year performance; as well as beta[1], and alpha[2].
- This is achieved by working as a fiduciary on your account and being allowed discretion.
- The tactical approach is used on a lessor scale to protect, lock in gains, avoid further loss, and lock in profits on a short term scale.
- Upon rebalance you are returned to your original Strategy.
- Secondly, we monitor your portfolio for performance, and expenses and update the portfolio via rebalance and investment replacement no less than annually and sometimes more than quarterly. We monitor your investments for multiple performance factors such as 3, 5, and 10 year performance; as well as beta[1], and alpha[2].
- Dynamic Allocation
- Although rarely used this may give us the opportunity to buy investments that have potential to increase and sell assets that have potential to decrease.
Ultimately the allocation used will depend on the investor’s age, goals, market expectations, and risk tolerance. Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss. Past performance is no guarantee of future results. Please note that individual situations can vary. Therefore, the information presented here should only be relied upon when coordinated with individual professional advice. Accounts that are over $5,500 are oftern placed into dee based accounts where we act as the client's Fiduciary.