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Investment Management PDF Print E-mail

We offer five styles of portfolio management to meet the needs and desires of our clients. Each of the portfolio management styles allow for maximum levels of stock market exposure ranging from 20% to 100% (subject to periodic re-balancing).

Approximate

Maximum Equity Exposure

Strategic

Blend

Tactical

Active

Double Defense

Bull-Bear

Conservative

20%

Moderate

40%

Balanced

60%

Growth

80%

Aggressive

100%

Strategic - With our Strategic portfolios the approach is "live with the bounces" as there is no attempt to make asset class defensive moves if a particular asset class appears to be moving into a bear market. The concept is to "stay the course". There will be trades within an asset class so as to attempt to invest in funds with attractive relative strength, rather than trades in and out of asset classes.

Blend - Our Blend portfolios combine the strategic concept with the tactical concept.

The idea is to have a minimum and maximum stock exposure. So, there will always be at least the minimum stock exposure, but there could be maximum stock exposure if the metrics employed suggest such is appropriate.

Tactical - Our Tactical portfolios seek to provide investment protection when markets are declining and investment participation when markets are rising. This means there will be moves in and out of asset classes. Rather than “live with the bounces” the idea is to move out of (and ultimately back in) an asset class such as U.S. stocks when the data indicate these moves are appropriate. The decision making for these moves is based on sophisticated metrics, but there are no guarantees that these moves will provide protection in declining markets and investment participation in rising markets.

Active - Our Active portfolios employ a wider mix of tactical approaches in the defensive and/or aggressive moves in and out of asset classes that will be made.

Additionally, there is an attempt to participate in sectors of markets showing greater relative strength. Since trading is likely on a monthly basis, the Active portfolios are best suited for larger tax-deferred or tax-free accounts such as IRAs and Roth IRAs.

Double Defense - Our Double Defense accounts have limited management. We use broad based exchange traded funds. Moves in or out of an asset class will be based on metrics presumed to guide in determining whether conditions are favorable for that asset class. The primary difference between Double Defense and Bull/Bear accounts (described below) is the use of additional metrics that might trigger defensive moves before such would be made in Bull/Bear accounts. While trading is likely to be limited, more trading than in Bull/Bear accounts is likely.

Bull-Bear - Our Bull-Bear accounts have limited management. We use either broad- based exchange traded funds or mutual funds and typically do not trade within the asset class except for initial positioning. If stocks or bonds are deemed to be entering a bear market, we make defensive moves. If stocks or bonds are deemed to be entering a bull market, we move back into that asset class. These accounts could go years without a trade.