Investment Services
and
Wealth
Management
Successful financial planning and management have never been easy -- and in today's volatile marketplace, it's more challenging than ever. Many people do not have the time or the expertise to make sound investment choices or continually monitor the performance of those choices.
We do.
We comprehensively manage client assets in individual portfolios, corporate and individual retirement accounts, and endowment and trust accounts.
And as a fee-based firm, we care about the growth of your assets because our compensation is tied to value and not to sales commissions .Therefore, we do not use internally manufactured or proprietary products - every recommendation that we make has your best interest in mind.
The Fragasso Investment Portfolio Management Process
- Determine investment objectives. It all begins here with your personal goals and needs.
- Creation of an investment policy statement and investment guidelines. This includes asset allocation guidelines that state the acceptable risk and return expectations, as well as the specific investment categories that will be considered.
- Use of tactical allocation. This includes the timely adjustment of asset allocation models in order to take advantage of opportunities in the marketplace as market conditions evolve.
- Selection of investments for each of the investment sectors to be used in the portfolio. As we understand your goals and needs, we employ a selective screening process that incorporates mainstream and time-tested analytical methods. We screen all securities to make sure they are an appropriate strategic fit for each unique sector of the portfolio.
- Monitoring of the securities owned and regular re-balancing of asset sectors. Securities are followed for continued adherence to screening criteria and for new developments. We consider re-balancing the sectors to the original model on a quarterly basis to help achieve more uniform reward and risk expectations.
- Regular contact. Our clients receive monthly client account statements and quarterly evaluation reports complete with individual performance, compared to appropriate indices, so that they always know where they stand. Our financial advisors and clients talk on a regular basis to stay immersed in their evolving needs and circumstances.
Our Strategic Approach for Long-term Financial Success
- Strategic Asset Allocation. All investors are different. Depending on your goals, time horizon and risk tolerance, your personalized asset allocation is developed to help you realize your unique objectives.
- Tactical Asset Allocation. As market conditions evolve, our investment committee tactically adjusts the asset allocation in order to take advantage of potential opportunities in the marketplace. These shifts only occur when we have a strong conviction that a particular asset category is mispriced. We take responsibility for rebalancing to the desired allocation (if needed) on a quarterly basis. We also include any additional contributions into the asset allocation model.
- Diversification. We recommend investing in multiple companies in many industries within each broad economic sector. In addition, we review all mutual fund companies' cultures and practices before using
them with a client account.
- Fundamental Analysis. Markets over time follow fundamentals involving the status of the economy, industries specifics and individual company financial health. Our methodology considers both quantitative and qualitative research from major independent research organizations as well as our own analysis. Our mutual fund selection process begins with a quantitative screening based on risk adjusted return rankings of funds. Qualitative factors also play a significant role in the selection process including an analysis of the fund management
Consider this success story.
For an informational packet or a no-cost, no-obligation consultation, please contact one of our financial advisors at 412-227-3200 or by clicking here.
We make your financial success personal.