We focus on building relationships and work to understand your needs and goals. We proactively manage your portfolio to fit with your entire life, not just investments. Whether you have short-term needs or are looking for long-term success, we’re with you every step of the way.
We Create Comprehensive Financial Strategies
By continually reviewing your entire financial picture we can create a road map that translates into practical strategies for your investment portfolio. We evaluate all your accounts including your corporate retirement accounts, personal retirement accounts, IRA, taxable, and other investment accounts, advise you on charitable contributions, lending needs, and what to save where. We work with you, in partnership with other professionals, on insurance, tax strategies, and estate planning. We look at the whole picture, all the parts and pieces, to be your trusted financial partner on the journey.
With You at Every Stage and Every Age
Whether you are just learning to invest, building your wealth, or already in retirement, we’re there, in the good times and the bad. We regularly reach out and give you information and analysis on your investments. Our clients know how to reach us, with financial questions or when they need an empathetic ear. We’re not just managing your accounts, we’re committed to you.
We Want You To Enjoy Your Money
While we always have a focus on your long-term destination, we also want you to enjoy the journey. We believe life requires a balance between saving for the future and living for today. As you approach retirement we prioritize retirement readiness including Social Security Maximization so that you can feel confident in the path and enjoy the retirement you’ve worked so hard for. We help you do more than just calculate if you have enough, we take your dreams and goals and work them into your plan.
Our process is not the quick, easy, automated way and not many advisors make the effort to do what we do. We take our time and use our expertise to create customized, individual, diversified portfolios consisting almost exclusively of individual securities. This is an exception in our industry, not the norm.
There are no two people whose financial profile is exactly the same and your portfolio should be as unique as you are. By creating customized portfolios made up of individual securities TruNorth manages our clients' accounts to meet their specific needs and goals. These are some of the benefits of our investing strategies.
We Precisely Manage Portfolio Diversity and Risk
With our individual securities approach, we have a better ability to properly diversify your portfolio, without dilution. We typically have 15 to 25 individual securities per asset class (for example large cap growth, large cap value, international, small mid-cap, fixed income, etc.). When you own the security, we know what you paid for it, why you bought it, if and when to sell it, and for how much. This is part of how we can manage risk
With individual securities, we can identify a specific stock or bond with its standard deviation number (measure of risk). As both your situation and the economic environment changes, we can evaluate and surgically execute any adjustments needed.
Meeting Your Specific Cash Flow Needs
Part of crafting best-in-class portfolios for our clients is understanding and meeting their cash needs. We do this through managing liquidity, working with the maturity of fixed income positions like US treasuries and institutional money markets.
We can mitigate risk by buying higher quality, lower volatility stocks, some of which may pay regular dividends. Some individual stocks provide a dependable dividend payout even during market fluctuations. While these dividends are not guaranteed, they can be a beneficial part of a portfolio for clients who need regular scheduled income.
