We take an institutional investment approach to managing our client’s assets by using quality professional investment managers from across the country to manage our client’s assets. High quality investment managers who have consistently added value through active management. We use forward looking market assumptions realizing that the past is not necessarily a reliable guide to the future. By using this approach we believe we can enhance the performance and provide the most consistent chance of achieving the client’s objectives.

Our philosophy is to look at the risk profile of a client, their current station in life, and the current economic environment to develop a customized investment portfolio to help them reach their goals and objectives. So we develop an investment policy statement for each client based on their investment objective, risk tolerance, and time horizon.

Develop forward looking market assumptions for different asset classes using Mercer Investment Consulting. This drives our asset allocation recommendations. We evaluate and attempt to manage market risk and return through the asset allocation process, utilizing forward-looking assumptions in an effort to maximize the return potential at any level of risk selected.
Optimize the asset allocation and build efficient portfolios from the selected asset classes. Our objective is to build portfolios that maximize the return potential at each level of risk. Simply stated, reduce the volatility in the portfolio while maximizing the returns. Providing more consistent performance and better chance of reaching client goals.
Search for and hire high quality managers that have consistently compensated investors for the active risk taken and construct our client’s portfolios. We select managers based on the excess risk-adjusted return (“alpha”) generated by the manager relative to its benchmark. Put simply, skilled managers who consistently add value by their investment skills.
Continuously monitor every element of the process to ensure that we are providing an institutional quality program that works toward reaching client goals.
- We update the capital market assumptions twice a year.
- We continuously monitor all of our existing managers and search for additional managers to offer in the program. We also terminate managers from the program if we lose confidence in their ability to add alpha.
- We provide performance reporting that measures managers against their benchmarks to determine if our managers are in fact compensating investors for the risk taken.
Alpha compares a fund’s actual returns with those that would be expected by its beta. A positive alpha means that for the given amount of volatility, the fund returned more than expected when compared to the benchmark index.

Professional Asset Management

Developing Forward Looking

Optimize Portfolio

Hire skilled managers

Monitor and Due Diligence