Our professional money mangement techniques have led to the development of 6 Model Portfolios. We have found that most client accounts are appropriate for one of more of these model portfolios based on how you answer our Client Risk Profile Questionnaire. After you complete our Client Risk Profile, you and your CPA, Accountant, or Investment Advisor Representative and choose the model that fits you best. This page is designed to only give you an overview of our Model Portfolios. To get more specific details on these model and find out which one might be right for you, please complete our Client Risk Profile with your CPA, Accountant, or one of our Investment Advisors Representatives.
Absolute Return Portfolio
This model portfolio is not designed around Modern Portfolio Theory (MPT). Modern Portfolio Theory suggests that the more exposure to equities you have, the greater return you should achieve over time. MPT assumes that while increasing your volatility and risk through equities, you should be compensated with greater returns over time. MPT was developed in the 1950′s and throughout the 1970′s. However, more recent research has shown that taking more risk does not always equal getting better returns. This is because different asset classes do not always correlate to each other the same way, investors are not always rational, and the market is not always efficient, and inflation can be your worst enemy. The Absolute Return Portfolio is designed to attempt to achieve a positive, absolute return, net of inflation. This means that the portfolio is more flexible and will not maintain a fixed mixture of stocks and bonds. This portfolio also diversifies more into assets that will offset rising inflation. After you’ve completed the “Client Risk Profile” with your CPA or accountant, we will recommend this model portfolio if we feel it is most appropriate for you. You and your CPA or accountant will ultimately decide which model to use.
Aggressive Growth Portfolio (80/20 Mix)
This model is designed for a client who has a long-term goal of appreciation, and is fairly comfortable with short-term fluctuations in the market. This portfolio has an emphasis on stocks, and much less exposure to fixed income. After you’ve completed the “Client Risk Profile” with your CPA or accountant, we will recommend this model portfolio if we feel it is most appropriate for you. You and your CPA or accountant will ultimately decide which model to use.
Growth Portfolio (70/30 Mix)
This model portfolio is also designed for someone with long-term goals of apprecation, but has slightly more emphasis on fixed income than the Aggressive Growth model. This portfolio will not fluctuate quite as much as the Aggressive Growth Model. After you’ve completed the “Client Risk Profile” with your CPA or accountant, we will recommend this model portfolio if we feel it is most appropriate for you. You and your CPA or accountant will ultimately decide which model to use.
Growth & Income Portfolio (60/40 Mix)
This model is designed for someone who wants to achieve long-term growth, as well as generate some income from the assets. It still has more of an emphasis on stocks, but also has a healthy exposure to fixed income. This model will tend to fluctuate less than the Growth Model Portfolio. After you’ve completed the “Client Risk Profile” with your CPA or accountant, we will recommend this model portfolio if we feel it is most appropriate for you. You and your CPA or accountant will ultimately decide which model to use.
Balanced Model (50/50 Mix)
This model portfolio is designed to have a target asset allocation that maintains a fairly even balance of stocks and fixed income. This model is ideal for someone who needs some long-term growth to keep up with inflation, but also needs income on an annual or monthly basis. This portfolio can still fluctuate wtih the markets, but less than the Growth & Income Model. After you’ve completed the “Client Risk Profile” with your CPA or accountant, we will recommend this model portfolio if we feel it is most appropriate for you. You and your CPA or accountant will ultimately decide which model to use.
Conservative Model (20/80 Mix)
This model portfolio is designed to maintain an emphasis on capital preservation and income generation with some to exposure to stocks. This model is for investors who want to minimize risk, protect capital, or generate a steady stream of income. After you’ve completed the “Client Risk Profile” with your CPA or accountant, we will recommend this model portfolio if we feel it is most appropriate for you. You and your CPA or accountant will ultimately decide which model to use.
