Nowhere is our "complex made simple" mind-set more befitting than when it comes to our investment process.  We don't rely on a static buy-and-hold approach ("set it and forget it"), nor do we let knee-jerk market reactions dictate our decision making process.  Instead, we complement traditional asset allocation methodologies with more proactive and ongoing investment considerations, using our signature core-tactical investment application. Our process is rooted in a sound rules-based and quantitative investment approach that takes emotion out of the investment planning equation. It begins with the construction of a prudent, low-cost, diversified core allocation of equity and fixed income investments. We then augment the core allocation with one or more of our tactical investment strategies. Core investments are generally considered longer-term holdings, while tactical investments are more opportunitistic in nature, and may include a variety of unique investment strategies.  The combination of core asset allocation methodolgies and customized tactical investment strategies results in a dynamic portfolio blueprint, designed to create the potential for incremental long-term investment returns.



Core Equity Allocation

The core equity allocation represents the foundation of stock-related holdings within each client portfolio. The specific amount earmarked to the core equity allocation is based on the investment objectives of each client and is constructed in tandem with the core fixed income allocation of each portfolio. These two sleeves of each portfolio combine to serve as the underpinnings of our portfolio construction process.


Core Fixed Income Allocation

The core fixed income allocation represents the foundation of bond-related holdings within each client portfolio. The specific amount earmarked to the core fixed income allocation is based on the investment objectives of each client and is constructed in tandem with the core equity allocation of each portfolio. Again, the core equity and core fixed income allocations combine to serve as the nucleus of your portfolio.


Tactical Allocation

Tactical allocations within each client portfolio are examined more frequently that core allocations, and are designed to seek incremental performance potential, either by attempting to capitalize on market opportunities or to reduce market exposure during periods of sustained market declines.  The amount earmarked to the tactical allocation of each portfolio is calculated on a client-by-client basis and used as a complement to core allocations. Because of the opportunistic nature of this allocation—and based on the investment objectives of each client—the tactical allocation may include one ore ore of a variety of investment strategies. 

Core Equity Characteristics:

  • Domestic and Foreign Equities
  • Low Cost
  • Primarily Passive 
  • Diversified

Core Fixed Income Characteristics:

  • Domestic and Foreign bonds
  • Low Cost
  • Passive and Active
  • Diversified

Top Tactical Stragies:

  • Individual Stocks
  • Socially Responsible (ESG)
  • Managed Volatility
  • Dividend Focus
  • Cash Alternatives
  • Alternative Investments