Our discretionary investment management service offers clients the benefits of diversification across a wide array of asset classes & risk factors, access to investment managers with long international experience, cost-effective implementation, & professional monitoring, reporting, and service.
We consider an all inclusive view of asset classes into our model allocations and branch out other risk horizons, such as geographic, fund, and manager risk. But classification is not just about risk reduction; it's about grabbing opportunity. Investment research suggests that the maximum returns available from investing can be captured through asset allocation. We utilize this research into our portfolio construction process, maintaining strategic exposure to a wide array of asset classes and risk factors rather than trying to pick winners and losers.
Research and Access
We go with an open approach to identify investments, which means that we don't stick to a proprietary platform or list of products. This independence results in an alliance of interest with our clients. Open approach means more options for investors that are feasible and beneficial. We always look for continuous sources of long-term return rather than for professionals with "hot hand". This becomes much relevant since today's top performers often underperform in years to follow.
As an independent, fee-only investment advisor, we do not charge and also do not accept any brokerage commissions.
Low Costs and Tax Efficiency
We recognize the dramatic impact that management fees, fund operating expenses, and taxes can have on the long-term, total return of an investment portfolio. Active management fees are generally drastically higher than the cost of index funds or ETFs, yet most active managers perform worse than their standard index. We always consider the impact of transaction costs, management fees, and other expenses in selecting investment plans. Cost-effective, highly-diversified passive mutual funds and ETFs are the constituents of the core of our model portfolios, which support systematic and low-cost investment strategy implementation. The average expense ratio of our fixed income and equity model portfolios is one-fourth of the industry average 1.20.
Monitoring, Reporting, and Service
We stringently monitor and rebalance discretionary accounts to manage exposures within predetermined risk guidelines. In addition, we work with our clients to seamlessly adjust strategic asset allocations as our client's risk profiles change. Discretionary clients obtain comprehensive, quarterly performance and risk reporting on their portfolios, along with a breakdown of asset class risk and detailed equity exposure reporting through style, sector, and geographic region. Current exposure reports are also available online through our Web Portal.
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