The Personalized Portfolio Process

The Personalized Portfolio Solution process starts with a thorough understanding of your current financial situation.  We assess your investment goals, available resources, desired rates of return, and risk tolerances.  We also review your current estate and income tax planning to make sure that our investment solutions help you reach your goals.

We then develop a customized portfolio solution that will allow you to reach your long-term goals and objectives.  This portfolio will primarily contain Exchange Traded Funds, but may also include individual bonds, stocks that you desire to hold in the portfolio and mutual funds.

Once we have your approval on this customized portfolio, we develop a unique Investment Policy Statement that spells out, in blue print form, how your investment assets are to be managed and allocated.

The unique attribuite of this process is that we actively monitor each portfolio’s and the overall market on a daily basis for major market turns.  The customized portfolio stays fully invested during a bull or up market until our proprietary indicators confirm such a major market turn as occurred.

Once such a turn has occurred, we sell individual positions as trendlines are broken or stops are hit.  During these bear market periods, we can hold cash or alternatively invest some of the account in treasuries and/or gold as appropriate. When our indicators signal it is safe to come back out, we again invest the portfolio based on the original customized asset allocation.

Our backtesting has shown that the simple process of moving aside can add 3-4% per annum to a long-term investors overall returns….so it is certainly worth the effort.

Finally, we converse regularly with our clients in order to revisit and refine the investment plan for changes in goals, needs or circumstances.