Investment Management

We manage investments for individuals, families, and institutions. Our time-tested investment strategies are offered to clients through separately managed accounts.

We offer the following actively managed investment portfolios:

Globally Diversified Mutual Fund Portfolios

Minimum investment = $250,000

Our mutual fund portfolios assist our clients in achieving their financial goals by investing in a diversified portfolio of no-load stock and bond mutual funds.  We provide six mutual fund strategies, each targeting a different level of downside risk and potential upside reward.

Income Portfolio:  The objective of the Income Portfolio is to provide long-term capital appreciation and high levels of current income by investing in stocks and bonds through no-load mutual funds.  The portfolio has no limits to stock bond allocations and is tactically managed for yield.  Our risk target is not to exceed a 10% loss in any 12-month period.  This portfolio is most appropriate for investors with a long time horizon, income requirements, and a willingness to participate in the equity markets.

Conservative PortfolioThe objective of the Conservative Portfolio is to preserve capital and provide current income by investing in bonds through no-load mutual funds.  The portfolio has a neutral allocation of 100% fixed income (bonds).  Our risk target is not to have a loss in any 12-month period. This portfolio is most appropriate for investors who are uncomfortable with short-term risk and value short-term capital preservation over higher long-term returns.

Defensive Balanced PortfolioThe objective of the Defensive Balanced Portfolio is to provide long-term capital appreciation and current income by investing in stocks and bonds through no-load mutual funds.  The portfolio has a neutral allocation of 20% equities (stocks) and 80% fixed income (bonds).  Our risk target is not to exceed a 2½% loss in any 12-month period. This portfolio is most appropriate for investors who want to participate in equity markets, but are still somewhat uncomfortable with short-term risk and value short-term capital preservation over higher long-term returns.

Conservative Balanced PortfolioThe objective of the Conservative Balanced Portfolio is to preserve capital and provide current income by investing in stocks and bonds through no-load mutual funds.  The portfolio has a neutral allocation of 40% equities (stocks) and 60% fixed income (bonds).  Our risk target is not to exceed a 5% loss in any 12-month period. This portfolio is most appropriate for investors who are uncomfortable with short-term risk and value short-term capital preservation over higher long-term returns.

Balanced Portfolio:  The objective of the Balanced Portfolio is to provide long-term capital appreciation and current income by investing in stocks and bonds through no-load mutual funds.  The portfolio has a neutral allocation of 60% equities (stocks) and 40% fixed income (bonds).  Our risk target is not to exceed a 10% loss in any 12-month period.  This portfolio is most appropriate for investors who want to participate in equity markets, but are still somewhat uncomfortable with short-term risk.

Moderate Growth Portfolio:  The objective of the Moderate Growth Portfolio is to provide long-term capital appreciation by investing in stocks and bonds through no-load mutual funds.  The portfolio has a neutral allocation of 75% equities (stocks) and 25% fixed income (bonds).  Our risk target is not to exceed a 15% loss in any 12-month period.  This portfolio is most appropriate for investors who are willing to accept higher short-term risk in exchange for the likelihood of above-average long-term returns.

Growth Portfolio:  The objective of the Growth Portfolio is to provide long-term capital appreciation by investing in stocks through no-load mutual funds.  The portfolio has a neutral allocation of 100% equities (stocks).  Our risk target is not to exceed a 20% loss in any 12-month period.  This portfolio is most appropriate for investors with a long time horizon and no concerns about short-term risk.

Individual Stock Portfolio

Minimum investment = $250,000

Focused Equity Portfolio:  The objective of this stock portfolio is to seek long-term growth of capital and dividend income by investing in stocks of financially strong, well-managed, and established companies.  The portfolio is invested in 20 to 30 companies that are industry leaders with a competitive advantage.  To summarize, we seek quality companies at value prices.

Small Cap Value Portfolio:  The objective of this stock portfolio is to seek long-term growth of capital and dividend income by investing in stocks of smaller companies (defined as those with market capitalization of $3 billion or less) of financially strong, well-managed, and established companies.  The portfolio is invested in 20 to 30 companies that are industry leaders with a competitive advantage.  To summarize, we seek quality companies at value prices.

Individual Bond Portfolio

Minimum investment = $250,000

The objective of our bond portfolio is to preserve principal and to generate regular income while taking low risk by investing in high-quality fixed income securities.  We typically build a portfolio of securities maturing at different time intervals.  This is known as “laddering”.  If the goal for the account dictates a liquidity schedule that requires timed payouts then we select the appropriate maturities.

Trend Following Portfolio

Minimum investment = $250,000

Global Trends Strategy:  The Global Trends Strategy is a dynamic investing method that quickly identifies sustainable trends and adapts quickly when those trends change.   Our goal is to position clients so that they are investing with the trends.  In this portfolio we trade exchange traded funds (ETFs) to align clients with the current trends. If no positive trends exist, we will hold cash.

Please contact us to learn more about how we build our investment portfolios.