Our Investment Approach

Align your portfolio with your goals and vision for the future.

The path to financial freedom is often confused by a host of complex decisions and options. Flexibility, performance and foresight are needed to ensure a single portfolio is optimized and aligned with your particular vision for the future. We combine our investment allocation process and financial insight in our selection of talented managers, from a completely objective open architecture, to create cash-flow solutions for lifestyle, liquidity and personal legacy objectives. The result: Our clients pursue customized portfolio constructions that provide them with the confidence that comes with our unique, ongoing process.

Step 1. Global Economy
We review and analyze various economic indicators to forecast the health of financial markets. An understanding of the trends driving these indicators allows us to position portfolios for specific financial market outcomes and risks.
Step 2. Government Fiscal and Monetary Policy
Government policies can greatly impact financial markets. This may include changes in tax policy or changes in interest rates. By researching the factors and indicators driving policy, we assess the health of the economy and forecast potential financial market outcomes.
Step 3. Sentiment
Sentiment shows how people feel about business conditions or financial markets. We use several measures of sentiment to gauge the level of optimism or pessimism toward a specific market.
Step 4. Inflation
Inflation represents the general rise in the level of prices and the erosion of purchasing power over time. We closely monitor inflation for its potential impact on economic activity and interest rates.
Manager Selection
Step 1. Capability Filter
We use an open architecture structure to form an objective screening for fund managers with superior performance, growth and dedication to preservation of capital.
Step 2. Quantitative Analysis
We validate the background of the candidates against our Elements of Manager Selection criteria to examine the ability of a potential fund manager to add value through their investment process
Step 3. Qualitative Analysis
We conduct in person interviews to examine client goal compatibility of fund managers.
Step 4. Operational Assessment
Outside resources enable us to perform an objective final review of each fund manager and additional details, including organizational and financial strengths, audits and background checks.
Step 5. Monitor
Through risk-adjusted return, the tracking of our managers against peer performance and style drift. However, less than 7% of financial advisors use a true wealth management model.*
Elements Of Manager Selection
Step 1. Organization and Team
The organization and investment team are expected to be of high quality with strong business and ethical standards. The investment team should have a long track record of investing together with their interests aligned with clients.
Step 2. Investment Philosophy and Process
We expect our managers to maintain a clear and consistent investment process that has been implemented in various economic environments.
Step 3. Risk Management
We work hard to understand the risk involved with each investment. This includes understanding the potential for loss in various economic environments and the investment’s underlying exposures at any given point in time.
Step 4. Performance
Performance is a key factor but it often doesn’t tell the full story. We review the historical performance of our fund managers relative to their peers and to a style benchmark. Over rolling periods, we expect that our managers should outperform on a tax and risk-adjusted basis.

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