Exchange Traded Fund Portfolios {ETF’s}

Investment Process


Asset Selection
  • Low cost ETFs & Mutual Funds
  • Geographically diversifed
  • Broad market exposure including all equity capitalizations

Portfolio Construction
  • Low cost ETFs & Mutual Funds
  • Geographically diversifed
  • Broad market exposure including all equity capitalizations

Three basic portfolio offerings with appropriate asset class weightings within each to meet client risk/reward profile.
  • Socially Responsibly Managed
  • Passively Managed
  • Actively Managed

Strategically monitored to maintain optimal risk-adjusted returns.
  • Rebalanced to target weightings
  • Strategic shifts in asset allocation
  • Monitor manager stability and effectiveness

Portfolio Construction

  • Assets globally allocated to provide optimal diversi cation with weightings strategically determined based on Portfolio Management Team’s top down overview.
  • Portfolio Holdings strategically monitored to maintain optimal risk adjusted returns.
  • Continual focus on well balanced globally diversi ed portfolios.

Socially Responsible Portfolio


Objective

Seeks a balance of growth of original investment plus current income.

Description

This portfolio uses a global socially responsible, passive approach with exposures to stocks and bonds from the U.S. and other developed and developing countries around the world. The investments concentrate on companies that score highly on ESG (environment, social, governance) rating scale. This market opportunity is in it's early stages. We are anticipating strong growth in the breadth and depth of socially responsible investment options over the next several years. We will continuously monitor the marketplace for new opportunities.

Who should consider this Portfolio?

An investor with a long investment time horizon and is willing to accept higher fees in return for investments that consider social responsibility in their selection process.


Strategic | Active Portfolio


Objective

Seeks a balance of growth of original investment plus current income.

Description

This portfolio uses a Global Market approach with exposures to stocks and bonds from the U.S. and other developed and developing countries around the world. The core of this portfolio is indexed. In addition a portion of the assets are invested in actively managed portfolios. Historically, certain asset classes have proven to be less e cient due primarily to decreased liquidity. These inef- ciencies create opportunities for active managers to improve on the return of indexes. Actively managed investments are selected after extensive research identi es them as having superior return potential compared to the general market.

Who should consider this Portfolio?

An investor with a long investment time horizon and is willing to accept higher fees with the goal of achieving a risk adjusted return that is higher than the market indices.


Passive | Index Portfolio


Objective

Seeks a balance of growth of original investment plus current income.

Description

This portfolio uses a Global Market Index Approach with exposures to stocks and bonds from both the U.S. and other developed and developing countries around the world.

Who should consider this Portfolio?

An investor with a long investment time horizon and is satis ed with market returns and low fees.