Sometimes you need a fundamental approach to strip away the herd mentality and get back to the basics of investing. At the MCM Advisory Group, we’re independent thinkers who focus on income generation.

We believe in rational, objective investing to help meet your financial needs. With more than 60 years of collective experience in the financial industry, our team is positioned to help you reach your goals that can enable you to enjoy the lifestyle you desire and leave the legacy you’ve envisioned.

We trust the power of long-term investing and compounding dividend income. With the main goal of our strategies being to grow a stream of income, we attempt to purchase undervalued, dividend-paying equities that we believe have a competitive advantage and are able to annually increase their dividends.

We primarily invest in equity securities of well capitalized, dividend-paying companies. Our goal is for each of our strategies to incorporate 30 to 40 dividend-paying stocks. For the purposes of diversification, our guiding principals allow for no more than 20% invested in any one industry group and no more than 10% invested in any single security. Occasionally, we may evoke strategies for hedging or income purposes.

Whether our clients are looking for total return or need current income, we believe that investing in companies that aim to consistently build on the amount of cash returned to shareholders is the most strategic way to invest.

With our team’s specific methodology, and the support of our resources at Raymond James, your plan is thoughtfully designed in line with your risk and return characteristics. Our strategy seeks to identify companies that we believe are managed conservatively and can reward shareholders with increasing dividends.

Creating your investment policy

Before we construct your portfolio, we work with you to develop your written investment policy to specify how it will be designed and managed. We discuss your specific asset allocation needs based on your risk tolerance and long-term return goals for your portfolio.

During this discussion we take into consideration how much cash you need and when, how long until you need a withdrawal from the portfolio, your temperament for portfolio volatility, your growth versus income needs, and any tax and legal considerations such as trust duties or ERISA requirements.

Selecting and managing your portfolio’s stocks

We value securities by considering objective, unbiased and reliable information. We measure anticipated returns from securities against associated risks. We identify the stocks to include in your portfolio primarily through research from Raymond James, specifically the Equity Income Report, and other third-party sources including Value Line, Standard & Poor’s and Morningstar. These providers offer specialized investment research on well-capitalized, dividend-paying companies.

Once attractive equities have been identified, we determine how much capital to invest in specific industries and sectors through a focus on diversification. We also review historical and relative valuations, taking into account the current macroeconomic environment.

Our sell discipline comes into play if there has been a reduction in dividend, deteriorating fundamentals of the business, unattractive historical or relative sector or industry valuations. We also take into account diversification needs, rebalancing, and the potential for better investment opportunities to arise.

Any opinions are those of the Investment Manager(s) and their team and not necessarily those of Raymond James. Opinions are subject to change at any time without notice. Content provided herein is for informational purposes only and should not be used or construed as investment advice or a recommendation regarding the purchase or sale of any security. This should not be considered forward looking, and does not guarantee the future performance of any investment.

All investments are subject to risk, including loss. There is no assurance that any investment strategy will be successful. Asset allocation and diversification does not ensure a profit or protect against a loss. It is important to review the investment objectives, risk tolerance, tax objectives and liquidity needs before choosing an investment style or manager.

Past performance may not be indicative of future results. Dividends paid on common stock are by no means guaranteed; a company’s board of directors can decide to reduce or eliminate them. Neither Raymond James nor its Financial Advisors render advice on tax issues, these matters should be discussed with the appropriate professional.

This strategy is intended for a fee-based advisory program. This is an investment advisory program in which the client's Financial Advisor invests the client's assets on a discretionary basis in a range of securities. Raymond James investment advisory programs may require a minimum asset level and, depending on your specific investment objectives and financial position, may not be suitable for you.

In a fee-based account clients pay a quarterly fee, based on the level of assets in the account, for the services of a financial advisor as part of an advisory relationship. In deciding to pay a fee rather than commissions, clients should understand that the fee may be higher than a commission alternative during periods of lower trading. Advisory fees are in addition to the internal expenses charged by mutual funds and other investment company securities. To the extent that clients intend to hold these securities, the internal expenses should be included when evaluating the costs of a fee-based account. Clients should periodically re-evaluate whether the use of an asset-based fee continues to be appropriate in servicing their needs. A list of additional considerations, as well as the fee schedule, is available in the firm's Form ADV Part 2 as well as the client agreement.