Four Core Principles:
Total Portfolio Approach
Integrate and Coordinate All Client Accounts
Single, Joint and Trust Accounts (taxable)
Custodian Accounts for Minor Children
529 College Savings Plans
IRA’s: Traditional Contributory or Roll-Over
Roth IRA’s
401(k), Profit Sharing or Employer Plans
Annuities; Non-Qualified or Qualified (Retirement Plans)
Broadly Diversified Portfolio: Asset Allocation and Asset Location
“Multi-Asset Class” Investing
Common Stocks
U.S. Stocks
Size
Large Company
MidCap
Small
Investment Style
Growth
Blended
Value
Management Form
Active or Traditional Management
Passive or Index Management
International Stocks
Large Company and Emerging Markets
Alternative Investments
Real Estate Investment Trusts
Commodities; Tangible Assets
Low Volatility Investments
Bonds
Issuer: Government, Corporate or Municipal
Maturity: Short, Intermediate or Long
Credit Quality: High, Medium or Low (Junk Bonds)
Inflation Protected Bonds
Minimize Fund Fees and Expenses
Minimize Income Taxes; Maximize Tax Efficiency
All other things being equal, lower costs and lower taxes mean higher net returns.
We can not control stock market conditions or interest rates, but we can add value
by minimizing costs and income taxes. Net returns are what count.
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