IT’S ALL ABOUT YOU
REVIEW CURRENT ASSET ALLOCATION
DEFINE INVESTMENT OBJECTIVES
ALLOCATE ASSETS
INVEST
MEASURE AND REPORT PERFORMANCE
REVIEW OBJECTIVESThe Portfolio Strategy Group develops and manages customized investment portfolios based on each client’s unique goals and objectives. Our portfolios are highly transparent and tax-efficient, helping clients keep more of their money. Our investment process begins with a thorough understanding of your financial goals, needs and comfort level. Based on these and other factors, including a review of your investment history, we will develop, present and agree on a thoughtful, intelligent and objective investment plan to achieve your goals. We implement and manage the strategy, monitor its performance and make changes when appropriate. We speak and meet with you regularly, and send you personalized quarterly performance reports which are understandable, thorough and transparent (in addition to regular monthly statements you receive directly from the custodian).
IT’S ALL ABOUT YOU
A successful wealth manager helps you achieve your goals. We develop a comprehensive investment plan with you. Here are just some of the topics we discuss:
- Your wealth creation goals and retirement objectives (which we can help you quantify)
- Your retirement income needs (whether or not you are currently retired)
- Your family and financial responsibilities
- Your emotional and financial tolerance for market volatility
- Your legacy plans, including how your wealth will be distributed
- Your charitable goals
- Whether you have sufficient assets and income to support your goals and expenses
- Whatever else keeps you up at night
REVIEW CURRENT ASSET ALLOCATION
Once we understand you and your objectives, we will analyze your current financial situation including
- Your assets and liabilities
- How you are currently invested
- The performance of your portfolio
- The amount and sources of your income
- Your current and anticipated level of spending
DEFINE INVESTMENT OBJECTIVES
We will develop and recommend an investment plan personalized to your needs only after we have a clear idea of your present situation, responsibilities and goals, and your financial and emotional ability to withstand market downturns.
- Objectives vary from client to client. Your investment plan will reflect your need for growth, income, preservation of capital, and other goals.
- Your investment plan is about helping you reach your goals.
ALLOCATE ASSETS
Every client’s investment plan is unique. We will design yours based on your needs and goals. We are focused on capturing returns while minimizing risk. The most important criterion when considering any investment is understanding its potential downside and your ability to tolerate it both financially and emotionally. Avoiding mistakes and minimizing losses (especially during difficult market environments) is critical to your successful long-term wealth building and preservation of capital. The key method for generating excellent returns while controlling risk is properly allocating your assets among different asset classes. Considerations include…
- How much should be invested in stocks, bonds and/or private investment funds.
- The kinds of investments and styles that should be represented in the portfolio.
- How that allocation should change over time.
INVEST
Your portfolio will be invested in stocks, bonds, and/or private investments based on your unique needs.
Stocks
Most stock portfolios are managed by top-tier, independent equity investment advisors who are not easily accessible to most individual clients because of high minimums. We negotiate reduced minimums and discounted fees with all of the equity managers we select.
- We have nearly 30 years of experience selecting investment managers.
- We complete thorough due diligence on every equity manager we utilize, which includes an onsite visit at their offices.
- Tax-efficiency is just one of the key criteria, as most of our clients pay taxes on at least a portion of their investible assets.
Learn More
Our investment philosophy is to identify and utilize equity managers who achieve excellent risk adjusted returns over a full market cycle. We have an extensive list of criteria we focus on in order to screen out unattractive managers. Some of the more important criteria include losing less than peers and benchmarks in down markets, providing consistent returns over full market cycles, and a dedicated approach to a particular investment style. We have negotiated meaningfully lower minimums and fees than are otherwise available. The equity managers utilized for each client are based on that client’s goals and risk tolerance. In addition, we have managed a high dividend equity income portfolio since 1999. We are also developing a number of “Socially Responsible” equity investment options.
Individual Bonds
We have been investing in fixed income securities for our clients since our founding in 1990. We purchase individual high quality government, corporate and tax-free bonds which can be held to maturity, regardless of market or interest rate conditions. We buy individuals bonds. We do not purchase bond funds because they can often hurt investors when interest rates rise. Fixed income investments provide income and stability, which are paramount for many of our clients.
Learn More
We purchase high quality individual bonds, not bond funds. Bond funds never mature, so they are often more sensitive to changes in interest rates than individual bonds. This is especially problematic in a rising interest rate environment since bond prices fall as interest rates rise. Transparency is a hallmark of The Portfolio Strategy Group. Individual bonds are much more transparent. The lack of transparency in bond funds could translate to owning riskier securities than expected.
Private Investment Funds
If private investment funds are appropriate for you, we can utilize a variety of alternative investment options including thoroughly vetted hedge funds, private equity and credit funds, and our own fund of funds. When constructed properly, private investment funds can be used for further diversification, sector-focused investing, or volatility reduction.
Learn More
For clients who qualify and are comfortable with hedge funds, funds of funds or private investment funds, our objective is to consistently grow capital over the long term with less volatility than the broad stock market. Hedge funds and other alternative investments provide style diversification and returns that are less correlated to equity and bond markets. We use the same philosophy to identify and invest in hedge fund managers as with equity managers. We only use funds who utilize the largest prime brokers and are audited by major accounting firms with significant expertise in the hedge fund field. We prefer to invest in hedge funds headquartered in the United States (though they may have offices abroad) which are managed by people with substantial investment experience. We do not invest in hedge funds which use methodologies we cannot analyze, nor those who do not supply us with an essential level of transparency. We have run our own fund of funds since 2004, and utilize other funds of hedge funds with different investment styles. We also invest in private credit funds and private equity funds when appropriate. Our key criteria for analyzing potential private investments are very similar to those for all other investments, including excellent long-term risk adjusted performance, high standards for reporting and transparency, and deep and experienced investment teams.
MEASURE AND REPORT PERFORMANCE
We review the performance of the investments we manage on an ongoing basis, and monitor the trades our equity managers make.
We meet directly with our managers regularly as part of our due diligence process.
We provide you with a personalized investment report each quarter showing your investment results for the quarter, year-to-date and since inception. Detailed, understandable commentary on each investment in your plan is also included. This report supplements the statements you will receive directly from the custodian. You will always know how you are doing. We are fully transparent, one of the hallmarks of The Portfolio Strategy Group.
Review Objectives
We meet and speak with our clients regularly. This provides you with an opportunity to discuss investments and ask other financial questions. It also gives us the opportunity to find out what may have changed in your life and make adjustments to the investment plan, if necessary.
The Portfolio Strategy Group develops and manages customized investment portfolios based on each client’s unique goals and objectives. Our portfolios are highly transparent and tax-efficient, helping clients keep more of their money. Our investment process begins with a thorough understanding of your financial goals, needs and comfort level. Based on these and other factors, including a review of your investment history, we will develop, present and agree on a thoughtful, intelligent and objective investment plan to achieve your goals. We implement and manage the strategy, monitor its performance and make changes when appropriate. We speak and meet with you regularly, and send you personalized quarterly performance reports which are understandable, thorough and transparent (in addition to regular monthly statements you receive directly from the custodian).
IT’S ALL ABOUT YOU
IT’S ALL ABOUT YOU
A successful wealth manager helps you achieve your goals. We develop a comprehensive investment plan with you. Here are just some of the topics we discuss:
- Your wealth creation goals and retirement objectives (which we can help you quantify)
- Your retirement income needs (whether or not you are currently retired)
- Your family and financial responsibilities
- Your emotional and financial tolerance for market volatility
- Your legacy plans, including how your wealth will be distributed
- Your charitable goals
- Whether you have sufficient assets and income to support your goals and expenses
- Whatever else keeps you up at night
REVIEW CURRENT ASSET ALLOCATION
REVIEW CURRENT ASSET ALLOCATION
Once we understand you and your objectives, we will analyze your current financial situation including
- Your assets and liabilities
- How you are currently invested
- The performance of your portfolio
- The amount and sources of your income
- Your current and anticipated level of spending
DEFINE INVESTMENT OBJECTIVES
DEFINE INVESTMENT OBJECTIVES
We will develop and recommend an investment plan personalized to your needs only after we have a clear idea of your present situation, responsibilities and goals, and your financial and emotional ability to withstand market downturns.
- Objectives vary from client to client. Your investment plan will reflect your need for growth, income, preservation of capital, and other goals.
- Your investment plan is about helping you reach your goals.
ALLOCATE ASSETS
ALLOCATE ASSETS
Every client’s investment plan is unique. We will design yours based on your needs and goals. We are focused on capturing returns while minimizing risk. The most important criterion when considering any investment is understanding its potential downside and your ability to tolerate it both financially and emotionally. Avoiding mistakes and minimizing losses (especially during difficult market environments) is critical to your successful long-term wealth building and preservation of capital. The key method for generating excellent returns while controlling risk is properly allocating your assets among different asset classes. Considerations include…
- How much should be invested in stocks, bonds and/or private investment funds.
- The kinds of investments and styles that should be represented in the portfolio.
- How that allocation should change over time.
INVEST
INVEST
Your portfolio will be invested in stocks, bonds, and/or private investments based on your unique needs.
Stocks
Most stock portfolios are managed by top-tier, independent equity investment advisors who are not easily accessible to most individual clients because of high minimums. We negotiate reduced minimums and discounted fees with all of the equity managers we select.
- We have nearly 30 years of experience selecting investment managers.
- We complete thorough due diligence on every equity manager we utilize, which includes an onsite visit at their offices.
- Tax-efficiency is just one of the key criteria, as most of our clients pay taxes on at least a portion of their investible assets.
Learn More
Our investment philosophy is to identify and utilize equity managers who achieve excellent risk adjusted returns over a full market cycle. We have an extensive list of criteria we focus on in order to screen out unattractive managers. Some of the more important criteria include losing less than peers and benchmarks in down markets, providing consistent returns over full market cycles, and a dedicated approach to a particular investment style. We have negotiated meaningfully lower minimums and fees than are otherwise available. The equity managers utilized for each client are based on that client’s goals and risk tolerance. In addition, we have managed a high dividend equity income portfolio since 1999. We are also developing a number of “Socially Responsible” equity investment options.
Individual Bonds
We have been investing in fixed income securities for our clients since our founding in 1990. We purchase individual high quality government, corporate and tax-free bonds which can be held to maturity, regardless of market or interest rate conditions. We buy individuals bonds. We do not purchase bond funds because they can often hurt investors when interest rates rise. Fixed income investments provide income and stability, which are paramount for many of our clients.
Learn More
We purchase high quality individual bonds, not bond funds. Bond funds never mature, so they are often more sensitive to changes in interest rates than individual bonds. This is especially problematic in a rising interest rate environment since bond prices fall as interest rates rise. Transparency is a hallmark of The Portfolio Strategy Group. Individual bonds are much more transparent. The lack of transparency in bond funds could translate to owning riskier securities than expected.
Private Investment Funds
If private investment funds are appropriate for you, we can utilize a variety of alternative investment options including thoroughly vetted hedge funds, private equity and credit funds, and our own fund of funds. When constructed properly, private investment funds can be used for further diversification, sector-focused investing, or volatility reduction.
Learn More
For clients who qualify and are comfortable with hedge funds, funds of funds or private investment funds, our objective is to consistently grow capital over the long term with less volatility than the broad stock market. Hedge funds and other alternative investments provide style diversification and returns that are less correlated to equity and bond markets. We use the same philosophy to identify and invest in hedge fund managers as with equity managers. We only use funds who utilize the largest prime brokers and are audited by major accounting firms with significant expertise in the hedge fund field. We prefer to invest in hedge funds headquartered in the United States (though they may have offices abroad) which are managed by people with substantial investment experience. We do not invest in hedge funds which use methodologies we cannot analyze, nor those who do not supply us with an essential level of transparency. We have run our own fund of funds since 2004, and utilize other funds of hedge funds with different investment styles. We also invest in private credit funds and private equity funds when appropriate. Our key criteria for analyzing potential private investments are very similar to those for all other investments, including excellent long-term risk adjusted performance, high standards for reporting and transparency, and deep and experienced investment teams.
MEASURE AND REPORT PERFORMANCE
MEASURE AND REPORT PERFORMANCE
We review the performance of the investments we manage on an ongoing basis, and monitor the trades our equity managers make.
We meet directly with our managers regularly as part of our due diligence process.
We provide you with a personalized investment report each quarter showing your investment results for the quarter, year-to-date and since inception. Detailed, understandable commentary on each investment in your plan is also included. This report supplements the statements you will receive directly from the custodian. You will always know how you are doing. We are fully transparent, one of the hallmarks of The Portfolio Strategy Group.
REVIEW OBJECTIVES
Review Objectives
We meet and speak with our clients regularly. This provides you with an opportunity to discuss investments and ask other financial questions. It also gives us the opportunity to find out what may have changed in your life and make adjustments to the investment plan, if necessary.