Portfolio Management

You have worked hard to accumulate your investments and savings. Times like we are experiencing are when you have to make decisions. Which will determine whether you achieve your financial goals or not. Family, Business and Personal.

New market cycles occur on average Every 3 to 5 Years. The drama of the Coronavirus ushered in economic and investment conditions which have changed quickly and repeatedly. It is anticipated the period post Coronavirus will bring more of the same. Resulting in a climate many investors have not seen. In many cases the markets have been volatile.

Of course, the period prior to the Coronavirus. Beginning with the Financial Crises. Where interest rates fell to zero for over a decade. Represented a departure from the economic and investment conditions of the Post World War II Era too.

The only constant has been change. At times swift and unyielding.

The United States has been in a period of upheaval. Interest rates have been rising, a banking crisis has occurred, and the Fed has been unwinding quantitative easing. Putting pressure on liquidity, on equites, causing yields on bonds to rise and the principal values of bonds to fall. These concerns have created uncertainty and volatility.

As yields on short term bonds have risen. A disconnect has been created between taking advantage of higher short-term rates, the purchasing power risk inflation has created and the need to save and invest for the long term to achieve your goals.

The Investment Advisor believes in today’s investment climate it is important to understand the impact economic restructuring has on investing and its implications for different asset classes. The Investment Advisor advocates assessment of:

Economic, Legislative and Regulatory Changes


The Resulting Impact for Interest Rates, the Value of the Dollar, Industry, State and Local Government, Stocks, Bonds, Mutual Funds, Commodities, Real Estate, International Investments and Cash.

Secondly, to protect the value of Your Portfolio The Investment Advisor believes it is necessary to put in place processes which define the Investment Philosophy, Rules and Principles under which Your Portfolio will be managed. Some Examples of these Include:

  • An Entrance and Exit Strategy for Each Security in Your Portfolio.
  • Creating a Floor for Your Portfolio by Investing in Highly Rated Quality Investments Which Pay Dividend and Interest Income.
  • Creating Hedging Strategies for Your Investments.
  • Investing Part of Your Portfolio in Investments Which Track the Market as a Whole so a Piece of Your Portfolio Will Perform as the Broad Market Performs.
  • Investing Part of Your Portfolio in Investments Which Have the Capability of Outperforming the Broad Market.
  • Defining the Role Commodities and Real Estate Play in Your Portfolio.

The Investment Advisor Will Help You Put These Elements in Perspective by Preparing for You:

Comprehensive Portfolio Reviews Analysis Context
Once per Quarter The Investment Advisor Will Analyze Your Investment Portfolio. This analysis Will Include Stock, Bond, Mutual Fund, ETF, Commodity, REIT and Cash Holdings. This Analysis Utilizes a Systematic Approach Through Which The Investment Advisor Will Create a Snapshot of Your Portfolio Resulting in Buy, Sell and Hold Recommendations. The Investment Advisor Will Frame Both Portfolio Level and Individual Security Recommendations Against the Backdrop of Current and Forecasted Economic Conditions.

The Investment Advisor Will Tailor your Portfolio to Meet Your Needs for Income and Growth and Incorporate Your Concerns Regarding Risk, Tax Sensitivity, Asset Protection and Your Overall Financial Planning Strategy.

The Investment Advisor will present to you a range of possible outcomes based on these factors and the likelihood of these outcomes occurring. The Investment Advisor will develop recommendations created specifically for you and present these recommendations for your approval.

These recommendations are based on:

Range of Potential Returns Performance Economic Activity
Market Scenarios Showing the Range of Potential Returns Within Your Overall Portfolio Barring Unforeseen Unknowable Events. Performance Comparisons to Benchmarks such as the S&P 500, S&P Mid and Small Cap Indexes. The MSCI EAFE Index and Industry Specific, Fixed Income, Commodities, and Real Estate Indexes and ETF’s. Macro- Economic Indicators Such as GDP, Interest Rate Policy, Manufacturing, Housing, Consumer Sentiment and other Metrics Comprising the Economic Calendar.


Prevailing Consensus Fundamentals Fixed Income
Industry and Sector Outlook, Ratings, Analyst Opinions, Management Views and Changes and Important News Events. Metrics Such as Earnings, Dividend Yield, Year High Low, Year to Date, 3, 5 and 10 Year Rates of Return. Outstanding Debt, Debt Service, Interest Rate Spreads, Unique Provisions Within Indentures and Covenants and Yield Curve Analysis as These Factors Relate to Fixed Income.


Liquidity and Demand Hard Assets Risk Management
Trading Analysis Showing Indicators of Liquidity and Supply and Demand for Specific Securities Such as: Average Daily Trade Volume, Large block Trades, Option Open Interest and Short Interest. Analysis of Hard Assets such as Commodities and Real Estate as They are Affected by Interest Rates, Currency Values and Inventory. Risk Management Strategies such as Asset Allocation Analysis, Sector and Industry Weightings and Investment Style as Identified Against the Morningstar Style Box.

Once implemented The Investment Advisor will take responsibility for monitoring the progress of Your Portfolio and contact you should adjustments be necessary.