We develop cost efficient model portfolios by making extensive use of exchange traded funds (‘ETF’s’) and using active managers (mutual funds) on a more limited basis.
In developing these models, we utilize input from major, unaffiliated investments firms which devote extensive resources to asset allocation modeling and who update those models to reflect changing market conditions on a regular basis. Our model allocations are not static.
We may customize these models based on conversations with you.
We try to simplify the process so that, essentially, the only decision most clients need to make is whether to be more aggressive, or less so, based on market conditions and their personal situation. This allows for some ‘tactical’ flexibility while staying within a ‘strategic’ investment footprint. This is not ‘market timing’, i.e., being ‘all-in’ or ‘all-out’ of the market. We don’t believe market timing works.
Our clients may benefit — subject to suitability — from our expertise in the area of community bank stock investing. In certain situations we may suggest allocating a part of the portfolio to such stocks.