Custom investment plans
As an independent registered investment advisory, we are not restricted by sales quotas imposed by a home office. Our independence gives us the flexibility to design every portfolio specifically for the needs of that individual investor. We also manage investment accounts for corporations, non-profit foundations, and scholarship funds.
Every family is different. Some estate situations and family dynamics make trusts the most effective approach to wealth preservation, tax management, and liability protection.
Effective Tax Management
The successful accumulations and preservation of wealth require effective tax management. Portfolio Advisory Council helps our clients minimize taxes by utilizing leading-edge retirement plan design, tax preferred investments, and tax free municipal bonds. The preferred strategy in both retirement planning and estate planning is to have an effective long term capital gain strategy resulting in paying taxes later rather than sooner.
Tax Preferred Investments
The successful accumulations and preservation of wealth require effective tax management. Portfolio Advisory Council helps our clients minimize taxes by utilizing leading-edge retirement plan design and tax free municipal bonds. The preferred strategy in both retirement planning and estate planning is to have effective long term capital gain management which results in paying taxes later rather than sooner.
Balance Invested Approach
After years of experience, we are not particularly optimistic about the future of the financial markets. However, we are not pessimistic either. We are realistic investors. Our balanced investment approach utilizes:
We employ a combination of option hedging techniques and are not afraid of holding cash. This innovative method allows us to build portfolios that consider both clients’ investment objective and current economic conditions. We are always looking for opportunities.
Our tactical approach to managing your investments is different from the more commonly used strategic asset allocation method. Instead of rebalancing your portfolio once or twice per year to maintain asset allocation, we monitor your investments daily and adjust as needed. This unique approach is designed to reduce volatility and take advantage of new opportunities, while reducing risk. Our team of managers has extensive experience in monitoring market conditions and trades to actively adjust your portfolio as new opportunities arise. This method gives us the flexibility to determine whether offensive or defensive market positions are needed. By analyzing the risk-reward potential of different investment styles, sectors and asset classes, we allocate assets to market segments with the growth and income with acceptable risk.
Regular predictable income is a key investment objective for our balanced investment approach. We want our clients to be paid while they wait. Capital gains are good to have but are too unpredictable. Regular income reduces down side volatility for all of our accounts and provides the needed income for retired clients, education foundations, and trust that we manage.
Peace of Mind
More than ever, peace of mind is of the utmost importance to investors. Bernard Madoff’s ponzi scheme made many investors nervous and afraid. He cost his clients more than $50 billion. Madoff was eventually convicted and is now serving a life sentence for carrying out the greatest white collar swindle of all time. Meantime, investors were left with nothing.
How can this be avoided’ There are three easy ways to avoid being caught up in a Madoff type ponzie scheme.
- 1. Never write a check directly to an Investment Advisor or Investment Advisors account.
- Checks should be made payable to a third party custodian that accounts for all funds and transactions that are made in your investment account. The third party custodian will provide you with regular monthly statements, cost basis, and dividend income records for your year end form 1099 for the Internal Revenue Service.
2. If it sounds too good to be true, then it probably is. Don’t be afraid to ask questions.
- 3. Know what kind of investments are held in your account.
At Portfolio Advisory Council, we believe you can benefit from our strategic relationship we have formed with Cambridge Investment Research, Inc. One of the most respected independent broker dealers in the industry, Cambridge member FINRA/SIPC remains strong and growing thanks to the conservative strategy and the dedicated efforts of financial professionals in their independent practices. We have chosen National Financial Services, LLC (NFS, LLC), a wholly owned subsidiary of Fidelity Investments, as our custodian and record keeper.
When it comes to the security of your investments with us, the facts speak for themselves. Your securities held by NFS, LLC are protected by SIPC and CAPCO. The first $500,000 ($100,000 limit for cash) is covered by the Securities Investor Protection Corp. (SIPC) with excess protection covered by CAPCO (Customer Asset Protection Company.) This additional protection covers total account net equity in excess of the $500/100,000 coverage provided by SIPC and in those circumstances when NFS’s SIPC coverage has been exhausted. Coverage does not protect against market loss or market value of securities.