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CUSTOM BALANCED

Custom Balanced Portfolios are structured to provide above average, long-term, risk-adjusted rates of return, while at the same time placing a strong emphasis on the preservation of capital. The asset allocation between stocks and bonds is tailored to your unique risk profile and income requirements. We utilize taxable or municipal bonds depending on the type of portfolio and your specific tax bracket.

PHILOSOPHY

As a disciplined portfolio manager, we invest in large capitalization growth and value companies and investment grade bonds to provide you with an investment experience of above average annualized rates of return, low volatility and steady current income. Our methodology offers a focus on the impact of major trends that affect the fundamentals of economic sectors and industries. The individual company analysis is then conducted to identify a collection of attractive investment candidates that meet our well-established risk/reward criteria.

INVESTMENT PROCESS

Custom Balanced Portfolios are invested in large capitalization growth and value companies in economic sectors with high growth potential. Our investment process is executed by the Investment Policy Committee (IPC) which is comprised of highly experienced professionals with decades of accumulated wisdom.

Portfolios are structured with a top-down economic outlook and an evaluation of each economic sector’s growth prospects. We strive to understand the way things work in the world. We integrate economic, political, demographic and generational trends, proliferation of new technologies and globalization as part of our investment decision making process. The IPC conducts a bottom-up company analysis to select appropriate investments that meet our well established risk/reward criteria. To control risk and reduce volatility, we adhere to a discipline that diversifies our investments across economic sectors and in companies that we expect to have high growth potential.

STOCK selection

After we formulate an economic outlook, we begin our stock selection process. This process begins with an extensive quantitative analysis of our universe of established high-quality growth and value companies with capital appreciation potential and high relative market liquidity. This analysis provides a collection of attractive investment candidates from which we conduct a detailed study of each company’s fundamentals. These companies may be in a position to benefit from proprietary products and services, or in the process of positive change in structure, management, new product introductions or technological advancements.

BOND selection

Taxable Bonds: 

We focus on high-quality, intermediate maturity investment-grade corporate bonds exhibiting high relative market liquidity as well as U.S. Treasury and government agency bonds. Our quantitative credit spread analysis enhances our fundamental analysis of each corporation’s underlying business. In addition, we provide our clients access to a broad selection of bonds through our position in the institutional bond marketplace.

Municipal Bonds:

We focus on high quality, investment-grade municipal bonds, exhibiting high relative market liquidity coupled with attractive relative income based on the yield curve and bond spreads. Bond holdings are selected by state and further diversified by city, municipality and maturity. Our quantitative credit spread analysis enhances our fundamental analysis of each municipality’s unique characteristics. In addition, we provide our clients access to a broad selection of bonds through our position in the institutional bond marketplace.