Services

Balanced accounts are intended for clients that seek to achieve the dual goals of conservative, long term growth and stable, near term income. We look to own a mix of asset classes that can withstand all economic environments. Balanced strategy accounts typically represent the core portion of a client’s long-term financial assets.

Asset allocation is customized based on client circumstances including retirement goals, income needs, and risk tolerance, as well as opportunities in equity and fixed income markets.

Portfolios are constructed of individual securities: domestic equities, international equities, preferred stocks, bonds, and commodities.

Exchange Traded Funds (ETFs) are utilized at times to gain exposure, at a very low cost, to those asset classes for which achieving diversification benefits is more difficult with individual securities.

Income accounts are intended for that portion of a client’s assets for which income generation and principal protection are the primary objectives. Income strategy accounts are often secondary accounts that hold funds that may be needed within a shorter time horizon. Income portfolios are primarily constructed of individual bonds, preferred stocks, real estate investment trusts, and other low volatility, income-producing equity securities.

Closed end funds (CEFs) and exchange traded funds (ETFs) are utilized at times to gain exposure to asset classes for which achieving diversification is difficult with individual securities, such as high yield bonds or specialized bond strategies.

Mutual fund accounts are intended for the portion of client assets for which adequate diversification cannot be achieved through the use of individual securities.  In these cases, we utilize many different internally researched and selected mutual funds to build well diversified portfolios with an asset allocation similar to that of our larger balanced portfolios. Often these accounts represent assets that are segregated for tax or estate purposes, such as in IRAs or trusts.