Customized Portfolio Construction

Why create customized client portfolios when many other firms tend to use packaged models?

Because we only work with a few select clients, we are able to customize each and every portfolio. No two are the same. Why?

Individual circumstances dictate how money is managed. Some clients require additional funds to supplement future income streams from pensions, deferred compensation plans, Social Security, required minimum distributions from qualified retirement accounts (RMD'S), rental income, and more. For those clients, we may rely on strategies that include high dividend paying stocks, municipal bonds, REITs, preferred stocks, convertible bonds and other income producing vehicles.

Other clients look to incorporate more growth oriented vehicles as their investment time horizons may be longer.

Estate Planning plays a big role in how client portfolios are designed. Partnerships or Private Family Foundations are sometimes created by a client's legal counsel which in turn may require mandatory annual distributions. The management of the portfolio must account for this and incorporate it into its investment strategy.

We will dedicate the time and resources to create a suitable portfolio for your set of circumstances. Rest assured, you will have our full attention.

No strategy assures success or protects against loss. Stock investing involves risk including loss of principal. The payment of dividends is not guaranteed. Companies may reduce or eliminate the payment of dividends at any given time. Municipal bonds are subject to availability and change in price. They are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise. Interest income may be subject to the alternative minimum tax. Municipal bonds are federally tax-free but other state and local taxes may apply. If sold prior to maturity, capital gains tax could apply. Investing in Real Estate Investment Trusts (REITs) involves special risks such as potential illiquidity and may not be suitable for all investors. There is no assurance that the investment objectives of this program will be attained.