INVESTMENT MANAGEMENT

Our team of investment managers, all holding degrees in economics, engage in market research and leverage their extensive experience to craft our core model portfolios. These models are tailored to address distinct facets of your investment requirements, prioritizing capital preservation, wealth expansion, or the pursuit of high-reward opportunities. Our approach to active management is truly hands-on, ensuring that your investments receive the attention they deserve. We also offer impact models—whether it is environmentally conscious or faith-based—for clients that prefer investments aligned with their values and beliefs.

INVESTMENT STRATEGY

Our clients primarily have advisory accounts, where fees are assessed based on the value of the account(s) under our management. This account type allows our advisors to make portfolio changes based on the client’s risk tolerance and current market conditions. There are also no additional commissions or 12b-1 fees.

Our investment strategy largely employs mutual funds and ETFs, tailored to suit the account’s investment objective. We do not typically trade in stocks or invest in cryptocurrencies. We are not against these options however, they do not form our toolkit for managing client portfolios.

DEFEND

DEFEND

Designed with a focus on longer term accumulation, Defend is the most conservative portfolio. Emphasis is placed on generation of current income and prevention of capital loss. The Defend portfolio seeks to provide steady but modest returns while minimizing exposure to market fluctuations. It prioritizes high-quality, low-volatility investments with higher dividends aiming to safeguard assets in the face of global uncertainties. The Defend portfolio is typically best suited for investors with a high aversion to risk as well as those prioritizing asset protection over asset growth.


Risk Level: Low, aligns with the Income with Capital Preservation investment objective.

NAVIGATE

NAVIGATE

Our Navigate portfolio combines investments focused on capital appreciation and those generating regular income. This strategy includes a mix of growth-oriented assets such as stocks with growth potential, alongside income-generating instruments like dividend-paying stocks or bonds. The goal is to navigate between capital growth and consistent income streams, providing investors with the potential for wealth accumulation while receiving periodic returns. For investors in their retirement years drawing an income off their assets, the Navigate portfolio is commonly best suited to their needs.


Risk Level: Low-Medium, aligns with the Income with Moderate Growth and Growth with Income investment objectives.

EXPLORE

EXPLORE

Striving to maximize capital appreciation by investing in assets with high growth potential, the Explore portfolio looks to maximize growth with little focus on generating current income.  Explore includes growth stocks, which are shares of companies expected to experience above-average earnings expansion. This strategy involves higher risk due to the focus on emerging or high-potential sectors and aims to achieve substantial returns over the long term. The emphasis is on capital gains rather than immediate income, making it suitable for investors with a longer investment horizon and a higher risk tolerance. The Explore portfolio is typically best suited for those in their earning years who are comfortable taking on risk and volatility.


Risk Level: Medium, aligns with the Growth investment objective.

DISCOVER

DISCOVER

The Discover portfolio is dedicated to venturing into economic and global markets in search of optimal opportunities. This fund has a high-risk, high-reward approach, emphasizing investments with substantial growth potential. While it does entail higher volatility than the other portfolios offered, it seeks maximum returns. Types of holdings found within the portfolio may include traditionally volatile assets like small-cap stocks, emerging market equities, and high-risk sectors. Our most aggressive portfolio, Discover is typically best suited for an investor who is willing to accept the increased risk of market fluctuations for the potential of increased reward.


Risk Level: High, aligns with the Aggressive Growth investment objective.

IMPACT

IMPACT

For investors looking to align their investing with their values, we offer the Impact portfolio. Our Impact portfolio is centered on generating positive social and/or environmental effects alongside financial returns. This strategy involves allocating funds to companies or projects that aim to address specific societal or environmental challenges. Investments may focus on areas such as renewable energy, sustainable agriculture, or social enterprises. The Impact portfolio is typically best suited for investors seeking to prioritize both financial gains and contributing to positive change, aligning their investing with their values and ethical considerations.


Risk Level: Medium, aligns with the Growth investment objective.

In order to properly align your account with the appropriate portfolio we take into consideration many factors including the length of time you plan to hold the investment, your personal tolerance for market ups and downs, your liquidity needs, any income requirements, tax considerations and investment knowledge.

Interested in learning more about your personal risk tolerance? Take this short quiz.


All investing involves risk including loss of principal. No strategy assures success or protects against loss.