Broker Check

Investment Model

Our Investment Model is based on broad diversification of asset allocation and utilizing the experience of numerous portfolio managers and various financial tools that are suitable to help our clients pursue their Wealth Management goals and address their concerns. We believe each client is a unique individual with their own values, lifestyle, needs for income and/or growth, and their own psychology on market volatility. Therefore our model is not a “cookie cutter” and it varies with each client.

Our model may be divided into three primary categories:

  1. Traditional portfolio of mutual funds, and Exchange Traded Funds and perhaps a few individual stocks.
  2. Protected portfolio of variable annuities or index annuities, and possibly life insurance and possibly Long Term Care (LTC) insurance.
  3. Alternative portfolio of Non-Traded Real Estate Investment Trusts and Business Development Corporations for the purpose of incorporating “non-correlated assets”. Our maximum percentage of assets in the Alts is 20% of the overall portfolio.

We thoroughly discuss with each client the pros and cons, costs and benefits, restrictions and opportunities associated with each of these three categories. Whether we incorporate 1, 2 or all 3 of these categories into the overall Investment Model of each client depends on their unique values, goals, concerns and their decisions.

Neither diversification nor rebalancing can ensure a profit or protect against a loss.

Asset Allocation, which is driven by complex, mathematical models, should not be confused with the much simpler concept of diversification and may not be appropriate for all investors.