Modern Portfolio Theory
We model our portfolios on the fundamental framework presented in Modern Portfolio Theory (MPT) which allows one to create an optimal portfolio for a given level of risk.
Using this framework, we construct our portfolios with fundamental, technical, and statistical analysis designed with the goal of managing risk in your portfolio.
Once your Investment Policy Statement (IPS) and Financial Plan have been prepared, we will invest your assets accordingly. Samples of basic asset allocations are provided below:
Diversification
We use a combination of equity, bonds, non-traded assets, and insurance products to maximize your exposure and minimize risk through diversification.
Tax Efficiency
Throughout the course of the year, we will work with you and your tax advisor to make sure your portfolio is as tax efficient as possible and take advantage of any potential tax loss harvesting opportunities at the end of the year.
Additionally, we strive to achieve tax efficiency in our portfolios by selecting low turnover investments to decrease the probability of passing down capital gains and creating a taxable event.
Stock investing involves risk including loss of principal. Bonds are subject to market and interest rate risk if sold prior to maturity. Bonds values will decline as interest rates rise and bonds are subject to availability and change in price. International investing involves special risks such as currency fluctuation and political instability and may not be suitable for all investors. There is no guarantee that a diversified portfolio will enhance overall returns or out perform a non-diversified portfolio. Diversification does not protect against market risk. No strategy assures success or protects against loss.
Estimating the Cost of College
How Long Will Your Money Last?
