Personal Investment Management

Our objective is to provide investment strategies to help our clients comfortably achieve the lifestyle they desire.  Our investment solutions are designed to accommodate investors' financial planning goals, while paying close attention to their tolerance for risk.  Our knowledge of and experience in both bull and bear market environments allows us to provide our clients the insight to help make the right decisions.  Most importantly, we offer choices in risk management intended to help our clients feel comfortable throughout their investment cycle.

Our clients look to us to help them choose effective investment solutions tailored to their unique investment planning needs.  We believe that achieving the appropriate balance of risk and reward involves both art and science.  By carefully assessing client needs, asset allocation*, equity preferences and risk management, we are able to provide investment strategies tailored to our client's personalized needs.

We are guided by the principles of Modern Portfolio Theory (recognized with the Nobel Prize in 1990).  An important component of Modern Portfolio Theory centers on the importance of diversification*, which argues that the addition of asset classes will over time improve the volatility and return characteristics of a portfolio.  Each year can present wide variations in returns among various asset classes.  A portfolio that consists of only one or two asset classes may perform exceedingly well in one year, only to underperform sharply in the following year.  By creating a diversified portfolio composed of a number of asset classes, the odds increase that the returns will be more consistent, smoothing the peaks and valleys that may come from investing in a limited number of asset classes.

Every new engagement begins with a thorough analysis of your existing portfolio and financial circumstances.  From this point we seek to set a threshold of our client's understanding of their current portfolio; its risks, return, and overall portfolio construction/design.  We will work with you to establish your core goals, identify your risk tolerance and develop an appropriate asset allocation in order to build a customized portfolio that helps meets your personal objectives.

Next, we set the groundwork for the development of your individual portfolio.  The development of an appropriate asset allocation mix is the first step in constructing an investment portfolio that is aligned with your core goals and objectives.  Spreading risk among various asset classes and investment vehicles is a way to diversify your portfolio.  A landmark study by Brinson, Singer and Beebower in 1991 determined that asset allocation is the most important long-term determinant of investment results.  Past performance, stock selection, and timing investments were far less influential in achieving long term goals.

Setting asset allocation as the foundation, we then construct a framework for your portfolio.  There are several investment vehicles and platforms to select from, each offering a different approach to investing.  Whether the platform uses:

  • Fee-based brokerage accounts
  • Managed mutual funds
  • Separately managed accounts
  • Traditional stocks and bonds
  • Alternative Investments**

In Fee-Based Brokerage Accounts, we collect a fee to assist in managing your brokerage account including asset allocation, investment selection, and ongoing portfolio management.  Key features of these accounts are that you and your advisor are on the same side of the table in determining your investment selections whether it is mutual funds, separately managed accounts, ETF's, stocks, bonds, etc.

Managed Mutual Fund Accounts allow you to select an actively managed portfolio of mutual funds that is aligned with the asset allocation mix appropriate for your long term goals and risk tolerance. 

Separately Managed Accounts provide the individual access to globally prominent money managers.  Each manager selects the investments for a portion of your customized investment portfolio, which the manager actively manages on an ongoing basis.  Some of the advantages include:•Control.  You own the Securities and can customize a solution that meets your personal needs.

  • Tax Efficiency. You can time when you want to realize capital gains, allowing you to manage gains and losses.
  • Aligned with personal values.  Specific securities or industries can be restricted form the portfolio.
  • Diversified. You can eliminate securities that you hold large concentrations in other accounts.

Alternative Investments:  A full suite of alternate investment solutions are offered to meet the need of high net worth accredited investors who are seeking investment performance and  diversification that are not correlated with the traditional markets.  Some of the solutions offered are:

  • Hedge Funds
  • REIT's
  • Private Equity
  • Limited Partnerships
  • Exchange Funds
  • 1031 Exchanges

We conduct extensive due diligence on the products and services available in the market today in order to ensure that we continue to offer you a choice of “best of breed” money managers.  All approved products and services have been through NFP Advisor Services due diligence process, which focuses on the following areas:

  • Internal controls
  • Investment offerings
  • Performance
  • Investment discipline
  • Benchmarks
  • Disclosures
  • Personnel
  • Operational capacity

Ongoing Maintenance – We will review your personal situation with you to determine if any changes to your financial plan or investment solution are appropriate.  Market conditions, contributions and other factors may cause your asset allocation to shift.  We will work with you to monitor your accounts to ensure your portfolio remains aligned with your goals and objectives.

*Neither Asset Allocation nor Diversification guarantee against loss.  They are methods used to help manage investment risk.

**Alternative Investments are often speculative, lack liquidity, lack diversification, are not subject to the same regulatory requirements as mutual funds, may involve complex tax structures and delays in distributing important tax information, and may involve substantial fees. These products often execute trades on non-U.S. exchanges. Investing in foreign markets may entail risks that differ from those associated with investments in U.S. markets. These investments may not be appropriate for all investors.