Investment
Management: This
approach is best suited for investors who prefer
to turn over the management of their money to
an experienced professional. It is recommended
for those who are comfortable with delegating
full authority to a third-party. The minimum
account size is $300,000.
I
practice an asset allocation methodology that
engages investment dollars in a coherent investment
strategy. Clients can select one of three portfolio
options:
- Conservative:
With long term appreciation potential, characterized
by a diversified portfolio of larger cap companies
with a 3-7 year time horizon. Low turnover
in stocks and bonds. Emphasis is on investing
in companies rated high in safety and technical
strength.
- Income:
With preservation of principal, concentrating
on dividend-paying stocks, preferred stocks,
convertibles, bonds, and other fixed income
investments. Emphasis is on safety, diversification,
and technical strength.
- Aggressive:
With higher short term appreciation potential,
focusing on a blend of large, mid-cap and
small-cap companies, leveraged closed-end
funds, specialty or sector funds.
My fees are based on a percentage of assets
under management, ranging from 1.25% to .75%
per annum.
For
investment advisory compliance information,
please see our PDF
files.
 All of our broker
and investment management services are offered
through American Investors Company, 2682 Bishop Drive, Suite 123, San Ramon, Ca, 94583, (925) 866-2882 Member FINRA/SIPC and Registered
Investment Advisor, serving clients of independent
brokers and financial planners since 1966.
AIC does not offer proprietary (its own)
products. AIC is a member of the Alliance
of Independent Broker-Dealers (AIBD). The
primary purpose of the AIBD is to provide
a cost effective, cooperative mechanism
for review and research of investment offerings
ordinarily presented to broker/dealers on
an individual basis. AIC performs due diligence
on "load" mutual funds, limited partnerships,
and variable annuities sponsors. |
Brokerage
Services: Suited
for investors who desire control over the investment
decision making process and prefer the hands-on
support of a broker/advisor. The minimum account
size is $300,000.
Each
investment must be part of an overall asset
allocation strategy. The client is encouraged
to determine their own financial profile based
upon timelines, tolerance, goals and financial
situations. We then find an appropriate mix
of asset classes for the portfolio. These asset
classes should balance each other so that they
give the best rate of return commensurate with
risk tolerance. Allocations will be readjusted
over time; they most often change in response
to market conditions and personal circumstances.
Brokerage
accounts, retirement, and/or trust accounts
are established at National Financial Services
(NFS), LLC. Your stocks, bonds, mutual funds,
money market accounts, and other securities
will be held at NFS. We offer a comprehensive
list of broker services similar to those offered
by major brokerage firms.
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Other Brokered Investments |
Variable and fixed rate annuities.
These investments are ideal for individuals who are interested in accumulating wealth and who are concerned about outliving their retirement income. Many companies offer a guarantee of principal and/or yearly appreciation (living benefit rider). Annuities are a powerful savings vehicle in many instances. Non-qualified money grows tax-deferred. |
Direct product programs (Limited Partnerships).
These programs are prescreened security products provided through American Investors Company for investors interested in fixed income, tax shelter, and/or appreciation. They consist of limited partnership participation interests in real estate, mortgage, energy and leasing programs. There are minimum net worth requirements established for each program. |
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