Personalized Risk Management
for the Modern Market

As a result of thousands of hours of work, analysis, and hands-on experience, we have developed the Tactically Managed Portfolios (TMP) available in six different risk profiles.  Each risk profile is also available 3 different varieties.  An all mutual fund portfolio, all exchange-traded fund portfolio, or a portfolio that combines mutual funds and exchange-traded funds.   The portfolios are allocated to the areas of the stock and/or bond market (depending on your risk profile) that we feel offers the best opportunity for growth. This is based on ongoing fundamental and technical analysis.

The risk or fluctuation in the portfolio is controlled by the amount of stock exposure in the portfolio. Each client is interviewed and combined with their a risk tolerance questionnaire, is aligned with the portfolio that best fits their needs. Changes are made to the portfolio approximately 3-6 times per year based the changing financial markets. We will deviate from the target allocation up to 10% at any given time based on our market outlook.

For example, if you choose the TMP Moderate Growth Portfolio which has a target allocation of 60% stock and 40% bonds you may find yourself allocated to 70% stocks if we feel the stock market looked poised for growth or as low as 50% stocks if we feel the stock market is overvalued. A complete stock market crash (decline of 20% or more) is always in the back of our mind having gone through 2000-2002 and 2008. Should signs point to such an event on the horizon we will go heavily to a cash allocation. However, being able to accurately predict such an event is extremely difficult and we make no promises that we will be able to do so.

We can also hold outside securities that aren’t in our model in your portfolio. We can hold these securities for as long as you want or can work with you to develop a strategy to liquidate these holdings in the most efficient way possible. For clients that are investing taxable money with us (non-retirement funds), we take taxes into consideration when building the portfolio and managing it over the long term. One of the exchange-traded fund options might be the best fit for you.  We strive to keep taxes to a minimum in the all ETF portfolios and if possible holding positions for longer than 1 year before selling to have any capital gains be long term. We also will harvest capital losses when possible to offset future capital gains


Our Portfolios

 

TMP Capital Preservation

Target allocation of 100% bonds tactically managed and allocated to the areas of the bond market that look to offer the most growth. Combines actively managed and passively managed mutual funds and exchange traded funds.

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TMP Defensive Growth

Target allocation of 20% stocks and 80% bonds tactically managed and allocated to the areas of the stock market and bond market that look to offer the most growth. Combines actively managed and passively managed mutual funds and exchange traded funds.

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TMP Conservative Growth

Target allocation of 40% stocks and 60% bonds tactically managed and allocated to the areas of the stock and bond market that look to offer the most growth. Combines actively managed and passively managed mutual funds and exchange traded funds. 

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TMP Moderate Growth

Target allocation of 60% stocks and 40% bonds tactically managed and allocated to the areas of the stock and bond market that look to offer the most growth. Combines actively managed and passively managed mutual funds and exchange traded funds.

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TMP Growth 

Target allocation of 80% stocks and 20% bonds tactically managed and allocated to the areas of the stock and bond market that look to offer the most growth. Combines actively managed and passively managed mutual funds and exchange traded funds.

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TMP Aggressive Growth

Target allocation of 100% stocks tactically managed and allocated to the areas of the stock market that look to offer the most growth. Combines actively managed and passively managed mutual funds and exchange traded funds. 

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Tactical allocation may involve more frequent buying and selling of assets and will tend to generate higher transaction cost. Investors should consider the tax consequences of moving positions more frequently.

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

An investment in Exchange Traded Funds (ETF), structured as a mutual fund or unit investment trust, involves the risk of losing money and should be considered as part of an overall program, not a complete investment program. An investment in ETFs involves additional risks such as non-diversification, price volatility, competitive industry pressure, international political and economic developments, possible trading halts, and index tracking errors.

Investing in mutual funds involves risk, including possible loss of principal.
No strategy ensures a profit or protects against loss.

Let's start planning your financial future today