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Our Approach
HOW WE ADVISE & INVEST
The first thing we do is get to know you and what you're looking for; having a full understanding of who you are and your financial goals is the only way we advise because it is the only way that will be beneficial and right for you.
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A strong emphasis on the client-adviser relationship
​The relationships that we build with our clients go beyond the analysis and implementation of their goals. We build long-term relationships founded on quality interactions.
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We keep an open line of communication in addition to having annual calls or meetings to make sure that we are aware of changes in your life and are always there to help.
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If you ever have questions we are always happy to chat.
GOAL-BASED WEALTH MANAGEMENT
Purpose-Driven
Investing
From the simplest of daily purchases to complex portfolio construction for the most important long-term needs, the purpose is the driving force of the investment.
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> Given everyone has a different set of goals and circumstances that make up their life, the appropriate investment portfolio is customized to the unique qualities and goals of each investor.
CAREFUL PLANNING
Detailed
Analysis
We conduct a comprehensive analysis of your entire financial background and then provide advice tailored to your specific situation.
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> The analysis process consists of a review of your financial goals and where you are relative to accomplishing them based on many variables.
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> The variables include your age, assets, savings, time, and more.
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Convex portfolios perform well on a relative basis
A portfolio's performance must always be compared against something else to give it context. Convexity results in a positive relative comparison.
What is convexity?
In investing terminology, convexity is the curvature of a line between two prices.
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In the graph, you can see 'Price 1' on the y-axis, and 'Price 2' on the x-axis.
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The curved line illustrates a convex relationship between the two prices.
What is a convex
relationship between prices?
Think of this as a performance path with exposure to positive returns and reduced exposure to negative returns.
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The convex performance path is accomplished through the combination of the individual price behaviors in relation to each other. When the two prices on the graph are increasing or decreasing the amount that they increase or decrease by is not the same. This is what gives the line its curve, or convexity.
What does convex performance look like?
To understand convex portfolio execution, the best way is to think about it on a relative basis, or when compared to the performance of the stock market.
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In the graph, the x-axis represents the value (price) of the stock market and the y-axis represents the value (price) of the convex portfolio.
Because the stock market can only increase or decrease in value on a one-to-one basis relative to itself (if it goes up (down) by 1%, it goes up (down) by exactly 1%), the 'Market Performance' line bisects the graph perfectly.
But, because the convex portfolio’s performance is curved (not on a one-to-one basis), as the stock market goes up or down, the 'Convex Portfolio Performance' line will behave similarly but not to the same degree (as we learned from the ‘Price 1’ and ‘Price 2’ graph).
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What is real-world convex performance like?
If the stock market drops in value, this will affect the ‘Convex Portfolio Performance' line, and it will decrease. But, the rate by which it decreases relative to the ‘Market Performance’ line is also decreasing. This is why the ‘Convex Portfolio Performance’ line moves away from and above the ‘Market Performance’ line.
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So, we can very clearly see that convexity provides protection when the market goes down into negative territories.
In addition to the value of downside protection (more on this below), investors are always interested in the upside of investing and for this reason, convex portfolios also have upside exposure. As a result, when the ‘Market Performance’ line goes up so does the ‘Convex Portfolio Performance’ line.
Therefore, the way to understand convex portfolio performance is that it is limited on the downside when the market drops, but also benefits from the upside when the market goes up.​​
PERFORMANCE BENEFITS
Convex portfolios generate more return per unit of risk taken, as well as have many other desirable performance characteristics.
Convex Portfolios
Increased return for risk taken
Our investment strategy is designed to deliver more return per unit of risk taken.
