Our Risk Managed Portfolio Program (RMP) is designed to help you invests in and manage a globally diversified portfolio of securities. RMP provides you with portfolio construction, investment selection, and ongoing proactive investment management.
Our professional investment management process seeks to eliminate many of the common reasons why investors do not do well:
· Neglectful…do not take appropriate and timely investment action
· Lack the time it takes or expertise to professionally manage assets
· Buy investments without first establishing an investment strategy. As a consequence, you may have a portfolio that's not suitable for you.
· Invest in individual securities instead of creating a diversified portfolio of securities
· Buy high & sell low, chase performance, act on “tips” & "headline news" instead of research
Nobel Prize Winning Investment Concepts—Risk Managed Portfolio Program™.
Our investment management process combines Nobel Prize winning investment concepts and a rigorous research driven asset allocation process to build a diversified portfolio that is suitable for your goal, risk & reward preference, and circumstances.
Our process diversifies your portfolio based on your personal Investment Policy Statement, our assessment of global economic & market conditions, and investment sector /investment fundamentals.
Your account is managed on an ongoing basis in an attempt to manage risk, income, and growth. Changing market conditions, economic conditions, and underlying fundamentals of the investments held in your account, will precipitate appropriate portfolio adjustments throughout the year.
Your personal Investment Policy Statement tell us which one of the four Portfolio Strategies is most suitable for you. Our investment management is based on a minimum investment horizon of three years:
1. Aggressive Growth. Emphasis on maximizing long-term capital appreciation returns. Portfolio strategy seeks to produce total returns that exceed US Large-cap Equity Index returns over a five year period. Moderate principal risk and fluctuation is expected. Portfolio will almost entirely invest worldwide in equities.
2. Moderate Growth & Income.Primary objective is capital appreciation. Income is a secondary consideration. Portfolio strategy seeks to produce total returns that match US Large-cap Equity Index returns over a five year period. Moderately lower principal risk and fluctuation is expected. Portfolio invests in global equities, global fixed income, and domestic cash.
3. Conservative Income & Growth. Primary objective is current income and capital appreciation is secondary. Portfolio strategy seeks to produce total returns that exceed broad market bond indexes returns. Lower principal risk and fluctuation are expected. Portfolio holds global equities, global fixed income, and domestic cash.
4 Risk Averse Capital Preservation Strategy
Primary objective is liquidity, stability of principal, and current income is secondary. Portfolio strategy seeks to produce total returns that exceed the inflation rate over 5 years. Low principal risk and fluctuation is expected and acceptable over the intended investment time horizon (at least 3 years). Portfolio will consist of a determined allocation among domestic cash equivalents, investment grade bonds, and global equities.
Investment Methodology:
A research intensive driven process using a top down asset allocation approach based on global economic/market conditions, trends, and investment sector fundamentals to build a diversified portfolio. Bottom-up securities selection by internal and independent portfolio managers.
Benefits:
Lower overall risk – we build a diversified global portfolio that seeks to reduce various types of investment risk and position your portfolio into areas of the global market that we believe are favored by longer term market trends. Our proactive portfolio adjustments seek to manage investment risks and pursue higher return opportunities.
Enhanced return opportunity - Our global asset allocation among stocks, bonds, cash-equivalents, real estate, natural resources, etc. seeks to enhance your investment opportunity set.
Low advisory fee - Our advisory fee is 25% lower than the typical Brokerage Firm. Its among the lowest in the industry. Fee is a miscellaneous deduction on your tax return or can be added to cost basis, lowering your future taxes.
Account Features
- Free Portfolio Analysis and Portfolio Recommendation - Our IPM - Improving Portfolio Management™ Service is a free service that reviews your current portfolio for ways to improve your portfolio's performance. Our recommendations seek to reduce your cost of asset management, reduce overall portfolio risk, increase your portfolio's income, and enhance your portfolio's return opportunity. Our process will help you select a suitable portfolio for you.
- Establishment of an Investment Policy Statementand Annual IPS Review - Creation of your very own Investment Policy Statement. Your personal Investment Policy Statement determines a suitable portfolio strategy and guides us on how to manage your assets according to your objectives, needs, and circumstances. Annually, AFM will inquire with clients to determine if their investment policy statement requires updating.
- Dedicated Experienced Investment Adviser - to provide ongoing investment advice, ancillary financial planning advice and services, as well as caring responsive account services.
- Ongoing Account Management and Investment Supervision - factors in global economic and market factors, investment fundamentals, tax law changes, as well as industry developments, and your goals!
- Annual Account Review – Clientsmay request an optional account review each year either by telephone or in person. Although, we are available anytime during business hours to speak to you about your account(s).
-Web Based Account Information – account balance, positions, transaction information, cost basis information, statements, etc.
-Reporting - Monthly account electronic/paper statements, electronic transaction confirmations, quarterly portfolio statement, and year-end tax statements. Realized Sales reports with cost basis information on securities purchased through the program.
- Market and Portfolio Updates – via client e-mail communications, newsletter, client dinners, and meetings.
Aspetuck Financial Management does not offer legal or accounting advice to our clients. However, we may from time to time, discuss or recommend financial strategies, products, and services which have tax implications, and under specific agreements with clients or because of our fiduciary role, assist with the preparation of tax returns. Clients are urged to consult with their own legal, accounting, and tax adviser with respect to specific situations. Past performance may not be indicative of future results. A copy of our current written disclosure statement discussing our advisory services and fees is available for review upon request. Please see Investment Manager’s Record for past performance results. Past performance is no guarantee of future performance. See enclosed form ADV Part II, and Schedule F and RMP Brochure for more information before investing.Securities offered through TD Ameritrade Inc, a registered broker-dealer – Member FINRA/SIPC. Charles Schwab & Co., a registered broker-dealer – Member FINRA/SIPC. Advisory services offered through Aspetuck Financial Management, LLC, a Registered Investment Adviser.
