Broker Check

Traditional Investments

We seek to deliver a cost-effective solution that incorporates asset allocation, investment selection, and tactical rebalancing.

  • Asset Allocation: Define the asset classes that will constitute the portfolio and determine the percentage of the portfolio to invest in each asset class.
  • Investment Selection: Identify specific investment vehicles that will provide exposure to the asset class—such as mutual funds, index funds, ETFs, or individual securities—in a cost-effective manner.
  • Tactical Rebalancing: Periodically adjust the portfolio back toward asset allocation targets, as underlying performance can move percentage allocations away from such targets.
Core Beliefs

Core Beliefs

  • Creating diversified portfolios across asset classes that respond to economic drivers in fundamentally different fashions underpins the investment process.
  • In efficient sectors, such as stocks and bonds, adding value through individual security selection is difficult, making low-cost index funds and ETFs a better way to gain exposure to these asset classes. In the less-efficient alternative sector, limited index vehicles exist, requiring selection of specific managers.
  • Efficient markets and irrational investor behavior makes market timing counterproductive. Short-term market movements are mostly “noise”; however, this does not eliminate the need to have a consistent process to rebalance portfolios back toward asset allocation targets.

Please consider the investment objectives, risks, charges, and expenses carefully before investing. The prospectus, which contains this and other information about the mutual fund, can be obtained from your financial professional. Be sure to read the prospectus carefully before deciding whether to invest.

Diversification and Asset allocation programs do not assure a profit or protect against loss in declining markets. No program can guarantee that any objective or goal will be achieved.

An exchange-traded fund (ETF) is similar to a mutual fund that tracks a specific stock or bond index, such as the Barclays Capital 1–3 Year Treasury Index. ETFs trade on one of the major stock markets and can be bought and sold throughout the trading day, like a stock, at the current market price. And, like stock investing, ETF investing involves principal risk—the chance that you won’t get all the money back that you originally invested—market risk, underlying securities risk, and secondary market price.