The Total Yield Strategy seeks first to generate superior yields over cash investments by blending securities with different sources of premium yield advantage over traditional cash.  Secondly, it seeks to preserve capital by minimizing the risk of loss.  The strategy harvests meaningful yield spreads where they naturally occur and blends the primarily “spread duration risks” to achieve an optimum yield vs. liquidity and risk.  The strategy is best thought of as a substitute to conventional narrow cash management strategies and investments such as T-Bills, money market funds, commercial paper, and bank CDs.  The portfolio may invest in all sectors of the fixed income market via primarily either ETFs or mutual funds that exhibit consistent performance, adherence to style discipline, and with solid investment philosophies.

The objective of the Core Fixed Income strategy is to generate income by strategically investing in a range of fixed and floating rate credit and other spread sectors offering attractive risk-adjusted return. To optimize returns, the portfolio invests in a wide range of fixed income and related securities spanning all maturities, sectors and credit ratings. Key factors in the evaluation include the macroeconomic and macro risk environment and fundamental analysis. The portfolio may invest in all sectors of the bond via either ETFs or mutual funds that exhibit consistent performance, adherence to style discipline, and with solid investment philosophies.

This strategy seeks total return through modest growth and a focus on income.  This is achieved by investing in a balanced portfolio of fixed income and related securities spanning all maturities, sectors and credit rating and diversified equity.  We accomplish this by investing in all sectors of the bond via either ETFs or mutual funds that exhibit consistent performance, adherence to style discipline, and with solid investment philosophies.

The Real Balanced Growth & Income strategy seeks to provide a blend of income and growth of capital through investing in a balanced portfolio of diversified equity and fixed income securities.  It emphasizes “real” returns – the growth of purchasing power over time.  This is accomplished by investing in all sectors of the bond via either ETFs or mutual funds that exhibit consistent performance, adherence to style discipline, and with solid investment philosophies.

The Real Wealth Accumulation strategy emphasizes growth of capital by investing in a diversified portfolio of primarily equities.  The portfolio’s overall risk is tempered by allocations to fixed income and inflation-linked securities.  We accomplish this by investing in all sectors of the bond via either ETFs or mutual funds that exhibit consistent performance, adherence to style discipline, and with solid investment philosophies.

This strategy seeks maximum capital appreciation by investing in a portfolio heavily weighted to equities. The portfolio’s overall risk is similar to the broad stock market. The portfolio also holds modest allocations of fixed income to reduce risk. We accomplish this by investing in all sectors of the bond via either ETFs or mutual funds that exhibit consistent performance, adherence to style discipline, and with solid investment philosophies.

The Diversified Equity strategy’s primary investment objective is to generate long-term capital appreciation, in varying market conditions, by investing primarily on a long basis and opportunistically on a short basis in a diversified portfolio of equities and equity related investments.  The strategy’s secondary goal is to achieve a long-term return in excess of inflation (over a full business cycle) for real, inflation-adjusted asset growth.  The portfolio’s overall risk is expected to be similar, on average and over time, to the broad stock market.  The portfolio may invest in a variety of equity markets using both ETFs and mutual funds that exhibit consistent performance, adherence to style discipline, and with solid investment philosophies.

The Diversified Liquid Alternative strategy seeks positive return over full market cycles by investing in a broad spectrum of all asset classes.  The portfolio will look to invest in a diverse set of asset classes, typically 10 different markets, sectors and themes with a target of approximately 20 to 30 different positions, dependent on market conditions.  Tactical adjustments are made with the goal of reducing risk and increasing returns.  The strategy may invest in all domestic and international asset classes, including but not limited to equity, debt, commodities, all categories of alternatives, real estate, etc.  Authorized security types include individual securities and commingled investments registered or regulated in the relevant markets with the expectation that the bulk of the holdings will be either ETFs or mutual funds.