We believe investing is about selecting quality investments to build a custom portfolio that is designed to provide the income and stability you need to maintain the type of lifestyle to which you have become accustomed and to help you reach the goals you have for your future.
Based upon your priorities and tolerance for risk, your personalized Envision® plan will seek to avoid unnecessary investment risk. It is designed to provide a sophisticated roadmap to help you reach your financial goals.
We employ the basic principle of non-correlating asset classes as we develop your portfolio. The CORE portfolio makes up the majority of the investment assets and it is customized to the unique needs of each particular client. We then add in a SATELLITE strategy of non-traditional, or alternative, asset classes as appropriate. This CORE/SATELLITE strategy seeks to give you traditional market exposure for while adding the additional diversification of alternative asset classes that can drag performance in good years but can add significant stability in bad years. Managed futures, hedge funds, private equity and real estate investment trusts can offer our clients an added level of sophistication and diversification.
The long-term impact of taxes on investment returns can take a bite out of your savings. Our tax-efficient strategies help you continue to grow your savings for retirement while striving to address the impact of taxes.
To create your stream of monthly potential retirement income, we employ a bond laddering strategy to spread investment dollars among bonds that mature at various times between one year and 30 years. To create your portfolio of laddered bonds we purchase bonds of staggered maturities to offset fluctuating interest rates, increase portfolio diversification, and fulfill your specific income requirements.
To help visualize the portfolio think of individual bonds as rungs on a ladder. In normal interest-rate environments, bonds with shorter maturities will yield less than longer maturities. As each individual bond in the ladder matures (bottom rung), the principal then becomes available for reinvesting, at current interest rates, into bonds of intermediate or longer-term maturities with the higher yields. The new bonds then become the new “top rungs” of the ladder.
Our team is dedicated to ensuring that your needs are always our priority. With a deep focus on you, your family and your next generation, we work to have meaningful conversations and listen carefully, so you’ll know you have an investment plan in place to help pursue your life’s priorities and passions.