investment management

Portfolio Construction

Following day-to-day market movements is time consuming and can cause unnecessary anxiety. Unfortunately, some investors make poor financial decisions during stressful periods when emotions get in the way of reason and logic.

Discipline and income generation are the core principles of our process driven investment strategies. Multiple strategies are selected based on your personal situation in order to achieve your Family Index Number. Our ultimate goal is to preserve your assets while generating the level of income and growth needed to meet your goals and objectives with confidence.

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INDIVIDUAL BOND LADDER

The individual bond ladder allows you to invest other assets to longer term investment strategies while providing for your cash-flow needs. The length of an individual bond ladder (i.e. 1 - 5 year) is flexible and determined by your specific needs.

  • Provide for future cash needs
  • Help ensure other parts of the portfolio do not have to be sold in a down market
LOW DURATION INCOME

Every portfolio should have a certain amount of safe and highly liquid funds as a cash reserve.

  • Liquid and high quality
  • Cash-like alternative

YIELD

TAX-FREE INCOME

Our Tax-Free Income strategy is a portfolio of our highest conviction municipal tax-free fixed income ideas.

  • Income generation is primary objective
  • Flexible approach - strategy can and will raise cash as needed
  • May be subject to state, local, and AMT tax
FIXED INCOME

Our Fixed Income strategy is a portfolio of our highest conviction taxable fixed income ideas.

  • Income generation is primary objective
  • Flexible approach - strategy can and will raise cash as needed

YIELD + GROWTH

DIVIDEND GROWTH

Our Dividend Growth strategy is a diversified portfolio of blue-chip companies with a history of increasing their dividend each year. The portfolio remains fully invested and is designed to generate consistent and recurring income.

  • Portfolio of dividend paying stocks
  • Focus on companies that historically increase their dividend each year
ENHANCED DIVIDEND

Enhanced Dividend focuses primarily on dividend paying stocks and is designed to deliver an estimated annual cash-flow of 5 - 7%.

  • Portfolio of dividend paying stocks
  • Focus on companies that historically increase their dividend each year
MIDSTREAM ENERGY

Enhanced Dividend focuses primarily The Midstream Energy strategy seeks to generate an attractive total return from high current income and long term capital appreciation through a variety of energy related investments.

  • Strategy focuses on midstream companies that historically increase their distribution/dividend
TACTICAL DIVIDEND

Tactical Dividend focuses on dividend yield, utilizing a quantitative tactical approach that will allocate a portion of the portfolio to cash when suitable candidates are not available.

  • Portfolio of dividend paying stocks
  • Can utilize cash as a defensive asset class

GROWTH

GLOBAL HORIZON

The Global Horizons strategy seeks long-term capital appreciation through a concentrated portfolio of companies exposed to international growth.

  • Portfolio can be invested domestically or internationally
CORE GROWTH

The Core Growth strategy is a diversified portfolio of large companies with a growth orientation.

  • Large Cap Growth portfolio
  • Portfolio of 25 individual stocks
COMPANY STOCK

It is often difficult to diversify a portfolio concentrated in company stock. We recommend that no position represents more than 5% - 10% in an investment portfolio.

  • Dollar cost averaging (DCA) out of concentrated position
ADVANCE & PROTECT

Advance & Protect attempts to advance in bull markets and also protect capital in falling markets.

  • Highest conviction ideas for growth
  • Flexible approach - strategy can and will raise cash as needed
BALANCED

Our Balanced strategy is designed for conservative growth. This portfolio has a goal of keeping a 60%/40% split between stocks and bonds.

  • Balanced portfolio of stocks and bonds
  • Flexible approach - strategy can and will raise cash as needed
CORE VALUE

Core Value is a concentrated portfolio of value stocks with absolute return mindset.

  • Strategy is invested in value based stocks
  • Can utilize cash as a defensive asset class

SPECIALTY

ALTERNATIVE INVESTMENTS

Each alternative investment can look very different. These alternative investments are available depending on suitability.

  • Provide a unique element of diversification
  • Investments of this nature are traditionally illiquid and require a longer time horizon

Live Well Plan

Prior to building an investment portfolio, we recommend designing a Live Well Plan for your family. Our Live Well Plan encompasses and coordinates ALL areas of your personal finances. The Live Well Plan utilizes cash-flow projections and allows us to test adjustments in real time and predict your retirement readiness - making sure you are in the “green zone”.

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Please note that the portfolio strategies provided above are general and investment decisions should only be made after a discussion with the appropriate professional about your individual situation. There can be no assurance that any investment will meet its performance objectives or that substantial losses will be avoided. Every investor’s situation is unique and you should consider your investment goals, risk tolerance and time horizon before making any investment. Investors should also consider their personal investment horizon and income tax brackets, both current and anticipated, when making an investment decision, as these may further impact the results of the comparisons. Keep in mind that results will vary as investing involves risk, fluctuating returns, and the possibility of loss. Past performance does not guarantee future results

Bond prices and yields are subject to change based upon market conditions and availability. If bonds are sold prior to maturity, you may receive more or less than your initial investment. There is an inverse relationship between interest rate movements and fixed income prices. Generally, when interest rates rise, fixed income prices fall and when interest rates fall, fixed income prices rise.

Dividends are not guaranteed and must be authorized by the company's board of directors.

International investing involves special risks, including currency fluctuations, differing financial accounting standards, and possible political and economic volatility.

Dollar-cost averaging cannot guarantee a profit or protect against a loss, and you should consider your financial ability to continue purchases through periods of low price levels.

Alternative Investments involve substantial risks that may be greater than those associated with traditional investments and may be offered only to clients who meet specific suitability requirements, including minimum net worth tests. These risks include but are not limited to: limited or no liquidity, tax considerations, incentive fee structures, speculative investment strategies, and different regulatory and reporting requirements. There is no assurance that any investment will meet its investment objectives or that substantial losses will be avoided.