Asset Management

…watching every single penny


Income Later?  Many clients savings are set aside for future needs like retirement, college tuition, starting a business or perhaps gifts to  family, church, or charity. 

We take into consideration risk, performance, and cost.  Each is an important element of the investment guidance we provide. In recent years we have become highly focused on strategies that aim to reduce investment volatility.  What does that mean?

Personalized investment returns.  Instead of measuring ourselves to an index, our benchmark is YOU! What you want (or need) your portfolio to accomplish becomes our target.  These portfolios are more defensive in their construction.  While no one wants to lose, we know that a growing portfolio sometimes has periods of downside loss.  It is true that portfolios that can tolerate some near-term loss may experience higher long-term returns.

Our portfolios are  comprised of three building blocks.

  • Core Investments– Strategic foundation for a portfolio which may change infrequently
  • Satellite Investments– Tactical overlay that is adjusted according to market conditions
  • Alternative Investments– Additional asset groups such as real estate, commodities and managed futures which feature a low (or inverse) correlation to other portfolio holdings. While Core or Satellite investments  might, “Zig” (move up or down), alternative investments ideally, “Zag” (move in an opposite direction–or not at all).
Core and Sattelite Asset Management
Core and Sattelite Asset Management

*Alternative Investments may not be suitable for all investors and involve special risks such as leveraging the investment, potential adverse market forces, regulatory changes and potential illiquidity.  The strategies employed in the managment of alternative investments may accelerate the velocity of potential losses.  The fast price swings of commodiities can result in significant volatility in an investor’s holdings.

Quality is never an accident; it is always the result of high intention, sincere effort, intelligent direction, and skillfull execution.

William A. FosterMedal Of Honor Recipient