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We manage a wide range of client’s portfolios on a discretionary basis including taxable, IRA, Roth, SEP/IRAs and individual 401(k) plans held at 3rd party custodians. We are also available to manage accounts of client’s company 401(K) plans, profit sharing plans, deferred compensation plans, stock options plans and others.
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- Evaluation prior to implementation of any investment strategy is a critical step in investment management
- Determining a client’s comfort zone prior to investing reduces some of the stress that can be induced during periods of high volatility
- Written documents to map out expectations based on planning, goals and risk assessment
- Serves as a framework for Investment Management
- Incorporating client’s expectations and needs from the planning side helps the investment portfolio work with the planning goals
- Time lines, risk, cash and tax needs are all considerations in developing an appropriate portfolio
- Strategic models help shape the overall portfolio structure
- Use of long term stable performing investments are integrated into the portfolio models
- Stability, longevity and consistency are only a few of the variables looked at when choosing investment options
- Portfolios are invested in diverse asset classes and securities to limit risks and stabilize portfolios
- These include domestic and international equities, domestic and international fixed income, commodities, real estate and cash equivalents
- Securities are then selected for each asset class based on advisor selected criteria
- Planned withdrawals and deposits to minimize disruptions to the portfolio
- Managing tax consequences
- Meeting unplanned withdrawals through internal transfers to non-managed cash accounts
- Selling high and buying low
- Involves taking profits from funds or segments that have produced gains and moving to funds or segments currently out-of-favor in expectation that the market leaders constantly change
- Instrumental in gradually investing cash and helps to create cash for withdrawals
- Clear and detailed quarterly reporting on the performance of the portfolio in an easy to read design
- Quantitative reporting is paired with a narrative to provide the best communication of results
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©2013 St. John & Associates, Inc. All rights reserved.
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