PORTFOLIO MANAGEMENT

Capital Appreciation

Steady Income

This type of portfolio is in growth phase. This type of portfolio intends to achieve higher returns by taking on slightly more risk. Portfolio gains in value through capital appreciation and re-invested dividends. We employ a more active trading strategy to take advantage of the tax deferred or tax-free status of certain retirement accounts. We achieve this strategy in multiple ways, with our two most frequent strategies involve equity analysis that would help us determine

  1. Growth companies or companies with a lot of upside potential. These companies tend to grow faster than most companies and quickly gain market share and develop a competitive advantage. Example of this type of companies would be Tesla, Amazon, Facebook, Apple, Google during their more formative years. We are looking for innovative companies that will be a pioneer and market leader.

  2. Undervalued companies or companies that have a temporarily low stock price. Value stocks are defined as stocks that are currently trading below what they are really worth, and therefore provide superior returns over time. These companies are often times older, more established companies with clean balance sheets and a proven, profitable business model. These companies tend to have tremendous upside for their given amount of risk. 

This blended strategy seeks to achieve better-than-average market returns in the long run while also mitigating risk against certain business and economic cycles. This strategy also seeks to maximize return while minimizing perceived risks.

Capital Appreciation

This portfolio is designed for individuals in retirement who need a steady source of income. This portfolio intends to maximize your retirement income while maintaining or growing your portfolio's principal balance. We achieve this, through employing an equity strategy that invests in dividend paying stocks. This strategy is in place of your traditional bond investment, which can carry additional risks, higher fees, and lower overall returns. Our income strategy has several perceived benefits over traditional bond and fixed income investments: 

  1. Higher Returns can be achieved because a bond's coupon payment stays the same, but we look for companies that have continuously increased their dividend payouts over the years.

  2. Tax Efficiency can usually be achieved because Qualified Dividends are taxed at the capital gains rate, while bond payments are taxed at your personal income tax rate.

  3. Maximum Risk/Return: while bonds and fixed income tend to be considered less risky, they have their own unique risks such as credit risk, default risk, interest rate risk, prepayment risk, call risk, interest rate risk, reinvestment risk, inflation risk, rating risk, liquidity risk, and market risk just to name a few.

  4. Capital Appreciation is one of the most important differentiators  between stocks and bonds because bonds usually return just your principal amount at maturity, however, stocks have the potential to grow and appreciate in value over time while also continuing to give you steady income in the form of dividends.

Steady Income

We focus on two main strategies depending on which phase you are in in your retirement plan life cycle.  For individuals that are pre-retirement would fall into the capital appreciation portfolio strategy, while retirees would fall into the steady income portfolio strategy. Regardless of if you're seeking income or seeking growth, our portfolio management strategy seeks to maximize your returns for your own individual risk tolerance. We have risk mitigation techniques that we believe help us maximize your portfolio returns per additional unit of risk, while minimizing portfolio volatility.

Our Strategy

Check Out Our Low Fee Schedule

We think our fee is lower and more competitive than most firms and we believe that we offer the most comprehensive suite of services given the fee we charge.

FEE-ONLY

We do not work on commission. We are always on the same side of the table as you, providing advice that is in your best interests.

What Makes Us Different

What Makes Us Different

FEE-ONLY
FIDUCIARY
EMPLOYEE-OWNED

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