Our fee based independence and co-fiduciary status requires that
our clients' and their employees' interests always come first. Using
that overall goal as our guide, we offer the following advantages
to our ERISA Plan clients:
Return Consistency through Diversification
Research has proven that one of the keys to consistent performance
is proper diversification. Our clients' portfolios are diversified
on three levels:
Level 1: By Asset
Class
We allocate our clients funds among the major investment categories
in order to help their portfolios take advantage of a variety
of market conditions.
Level 2: By Management
Style
We know that the primary management styles of Growth and Value
particularly, and to a lesser extent Market Oriented, will come
in and out of favor. By combining different style managers together
and then actively rebalancing funds among those managers, we can
use their different performance cycles to our clients' advantage.
Level 3: By Manager
Even the most carefully chosen managers with the best track records
and solid strategies can experience periods of poor relative performance.
One of the best ways we can help our clients maintain consistent
performance is to control the potential impact of mistakes. By
diversifying our clients among multiple active managers and index
strategies, we can help eliminate the chance that the actions
of any manager can drag down relative performance or significantly
increase portfolio risk.
Expense Reduction Through our use of institutional quality multiple manager funds
and index funds, as well as our use of Exchange Traded Funds, and
individual fixed income securities, we are able to keep our clients
total investment expenses much lower than the industry averages.
Risk Control All investment strategies involve some form of risk. The key
to consistent investment performance and capital preservation is
to only assume the investment risks for which there is the high
likelihood of a reward. Our asset allocation based strategies are
designed to help generate consistent return – within our clients'
specific risk tolerance.
Fiduciary Protection Our services follow strict procedures established through years
of management experience and continually improved upon through our
relationship with the Center
for Fiduciary Studies. Through our relationship with that organization
and Mr. Green's "Accredited Investment Fiduciary" designation, we
are able to deliver the latest techniques in fiduciary liability
control.
Top Quality Managers Through our relationships with firms such as Frank
Russell, Dimensional
Fund Advisors and our trading relationships with Charles
Schwab and Fidelity
Investments, we offer our clients access to the same institutional
quality managers utilized by many of the world's largest pension
funds.
