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Investment Management Approach

Defining Your Needs And Goals

The first and most important step in the investment consulting process is Discovery. We help you identify your short and long term investing goals and determine your risk tolerance and wealth management needs. Perhaps you have always wanted to purchase a second home, start a new business or establish a charitable foundation. Whatever your needs may be, we can help you work toward getting there by defining your investment objectives and then customizing a portfolio designed to address your unique situation. 

Your Investment Objective

Your investment objective is based on many factors, including your financial situation, income needs, time horizon and risk tolerance.  Common investment objectives are Aggressive Growth, Growth, Growth with Income, Income with Moderate Growth and Income with Capital Preservation.

Core And Satellite Investing

Core and Satellite investing is an enhanced approach to portfolio construction that can provide an organized framework for building portfolios.

In this approach, traditional core investments provide a strong portfolio foundation, while non-traditional satellite investments can help investors widen their opportunity set.

How Satellites Potentially Lower Overall Portfolio Volatility

A well-diversified mix of satellite investments has historically been less volatile than portfolios invested only in large cap US stocks.

Historically, the reason is that satellite returns have not moved in tandem with the broad stock and bond markets or with other satellites.

Why We Believe Owning More Than One Satellite Is Key

A single satellite (i.e., commodities or other narrowly focused sectors) can be volatile from year to year – but periodic declines are sometimes offset by positive performance from other satellites. That’s why we believe owning a diversified mix of satellites is key.

Working with your financial advisor to construct a Core and Satellite portfolio begins with a review of current portfolio structure, a look at asset classes that may enhance progress toward specific investment goals, and discussion of how assets can be divided between “core” and “satellite” strategies.

All investing involves risk including loss of principal. No strategy assures success or protects against loss. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio.

Diversification does not protect against market risk.

Because of their narrow focus, sector investing will be subject to greater volatility than investing more broadly across many sectors and companies.