Custom Balanced
We craft personalized balanced portfolios designed to achieve superior long-term, risk-adjusted returns, while prioritizing the preservation of your capital. We tailor the allocation between equities and fixed income to align with your individual risk tolerance and income needs. Depending on your specific tax considerations and portfolio objectives, we may incorporate taxable or municipal bonds to optimize your fixed income return.
Investment Philosophy
We invest in large-capitalization growth and value companies across in opportunistic economic sectors. Our Investment Policy Committee (IPC) is comprised of industry professionals with an average of 25 years of experience who—oversees the investment strategy.
The Custom Balanced approach combines top-down economic analysis with bottom-up company research:
We assess economic, political, and demographic trends, along with technological advancements and globalization, to guide sector allocation. We conduct fundamental company analysis, selecting investments that meet our risk/reward criteria. To manage risk and reduce volatility, we diversify across sectors and focus on companies with the potential for an acceleration in earnings growth.
Investment Process
Our Custom Balanced Portfolios are designed to achieve long-term, above-average, risk-adjusted returns while placing a high priority on capital preservation. The asset allocation between stocks and bonds is based on your unique risk profile and income needs. Fixed income investments may include taxable or municipal bonds, depending on your portfolio type and tax bracket.
We provide tailored investment portfolios, including:
- Asset allocation flexibility: determined by the client and adjusted as needed
- Portfolio transition planning
- Social screening for responsible investing
- Tax-loss harvesting to enhance tax efficiency
After establishing an economic outlook, we conduct a rigorous equity and fixed income selection process:
- Quantitative Equity Screen – We screen based numerous value and growth metrics to refine our in-depth analysis to a universe of companies with strong capital appreciation potential and appropriate market liquidity.
- Qualitative Bond Screen: Our universe is generated with screens on ratings, liquidity and credit analysis.
- Fundamental Analysis – We seek to anticipate positive change and, identify investment opportunities that may offer long term above average returns. For tax exempt bonds, a further evaluation of each municipality provides the basis for an investment recommendation to the portfolio.
- Investment Decision – Companies and municipalities that meet our criteria are considered for portfolio inclusion and must be decided on by consensus of the IPC.
Our Custom Balanced portfolio offers a disciplined approach ensures a well-diversified portfolio positioned for growth while also considering the importance of preservation of capital
