FINRA has investor education materials such as BrokerCheck, which provides insight into firms and financial advisors.
The purpose of this investment policy statement (IPS) is to assist you, the client, in effectively supervising, monitoring, and evaluating your investment portfolio. Your investment program is defined in the various sections of this IPS by:
The Investment Advisor serves as an objective, third‑party professional to assist the Client in managing the overall investment process. The advisor is responsible for guiding the Client through a disciplined and rigorous investment process, consisting of:
All models are invested in no-load or load waived mutual funds or Exchange Traded Funds (ETF). In general, we intend to maintain a reasonably diversified portfolio within the scope of each model’s objective including the use of alternative asset classes. We will, however, also overweight sectors and assets classes that we believe to be in favor in the current market environment. Investment decisions will be based on a variety of factors including fundamental analysis, market sentiment, trend analysis and technical analysis.
While no investment process can guarantee against risk of loss, our overall investment philosophy is to be able to adapt to changing market conditions and manage the risk to portfolios through diversification. We do that by following a 3-step investment process.
The following are descriptions of our current investment parameters for each of our models. We expect that these parameters may need to change over time as market conditions unfold and new information is available.
This model would only be appropriate for the most aggressive investors. Assets will be fully invested (except for 2% in cash) in whatever asset class we deem to have the highest growth potential with little to no regard for short term fluctuations. This model will also allow up to a maximum of 25% of the positions to be chosen by the advisor or client at their discretion.
The Growth model will on average maintain approximately 80% of the assets in equities and 20% in assets in what would be traditionally considered lower risk investments such as cash and fixed instruments. This model will also allow up to a maximum of 25% of the positions to be chosen by the advisor or client at their discretion.
In this model we intend to maintain a target of approximately 60% of the assets in equities and 40% of the assets in what would be traditionally considered lower risk investments such as cash and fixed instruments. This model will also allow up to a maximum of 20% of the positions to be chosen by the advisor or client at their discretion.
This model will most resemble a balanced portfolio with a slight income bias. It is our intent to maintain a target of approximately 40% of the assets in equities and 60% of the assets in what would be traditionally considered lower risk investments such as cash and fixed instruments.
The objective of this model is to provide long term returns that are slightly higher than money market and CD rates with the least amount of short term volatility. Our target asset allocation will be approximately 20% cash equivalents, 60% fixed instruments, and 20% equities.