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Portfolio Management Process



Our portfolio management process is based upon a conservative, market-driven approach that utilizes mutual funds as the primary investment vehicle. Mutual funds provide the most flexible and cost effective access to the best money managers in constructing a multi-manager portfolio. Our management style combines strategic asset allocation with a tactical asset allocation overlay.

Step One: Objective Setting

We seek to obtain a clear understanding of your investment goals based on your expectations and time horizon as well as your ability and willingness to assume risk in order to establish an appropriate portfolio strategy consistent with your investment objectives.

Step Two: Asset Allocation

Our asset allocation process begins with our assessment of the impact of various factors such as economic indicators, monetary policy and political developments on the financial markets.

We then implement a portfolio strategy that is consistent with your goals and objectives by deploying assets across equity (stocks), fixed income (bonds) and cash asset classes.

Step 3:
Sector Allocation

Sector selection adds further diversification to the portfolio matrix by allocating across a variety of sectors which may or may not include large, mid or small cap, value or growth equity funds, as well as U.S. Government or corporate fixed income funds.

Most portfolios consist of a “core position” which trades infrequently, in addition to a “tactical position” which typically trades a few times per year.

Step 4:
Mutual Fund Selection

While we primarily select funds with a demonstrated track record of consistently superior returns, it is critical to look beyond historical performance and understand the unique characteristics of each fund.

We routinely conduct internal research and meet face-to-face with fund providers to ensure that we have a thorough understanding of manager philosophy and fund investment style.

Step 5: Portfolio Review Process

Each portfolio’s sector allocations are continuously monitored and can change based upon our forward-looking assessment of investment risks and opportunities within the current economic cycle.