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Investment Management is at the core of financial planning. We put a lot of importance in creating and mixing investment models based on our clients’ needs and circumstances. Each model is designed purposefully to achieve a specific goal. The models are also complementary to each other and can be mixed within our clients’ accounts depending on a financial plan.
Our equity models were created as building blocks to construct a fully diversified stock portfolio. Each equity model hold a diversified set of stocks but differ in their investment management strategy and purpose.
Unconstrained models have the ability to move from 100% equity to 100% in diversifying asset classes. Their flexibility may help increase performance in bullish markets while increasing risk management in bearish markets.
Our diversifying models are built to reduce the risk of our equity exposure. They include allocations to different types of bonds and commodities. Their goal is to reduce portfolio volatility and possibly increase portfolio performance with our rebalancing process.
The Investment Position Statement (IPS) is used to gain clarity as to how the recommended mixture of models should be used within our clients’ financial plans. Depending on their need for performance, risk management, and/or tax efficiency within the portfolio, the IPS sets the structure for the investment portfolio within each term of the Plan (short/mid/long-term) and each account type.
The IPS is revisited every year as our clients’ life and financial plan evolve over time.
As independent Investment Advisor Representatives, we are not restricted to any specific custodian. Currently, we have relationships with TD Ameritrade Institutional, Schwab, and Altruist.
Depending on our clients’ situation and needs, we make recommendations to what we think is the best custodian for their needs.