investment management
We tailor your portfolio to your specific needs. Our aim: help you meet your obligations and navigate your best life while mitigating risk.
Our clients include individuals and families of diverse shapes and sizes.
our beliefs
TRULY CUSTOM PLANS ARE WORTH IT
Your cash flow, savings and lifestyle (how much you spend) must be considered to determine an appropriate investment mix—one that’s designed to meet your requirements while taking the least amount of risk. Standard off-the-shelf investment models, such as a traditional 60% equities/40% bonds mix, which are often based solely on one’s income, age and/or other criterion, disregard the math and are not truly custom.
MATH MATTERS
To be sustainable, a financial plan must provide that money in the door plus money saved exceeds money out the door. In crafting your investment plan, we look at your cash flow and savings then do the math to back into the returns needed to meet your obligations and sustain your lifestyle over the long term.
BE FULLY TRANSPARENT
At any time, we’re able show you how your money is working for you and why.
PAY LESS FOR YOUR INVESTMENTS
Why pay $1 when you can have the same investment for 5 cents with greater flexibility? Mutual funds often charge hidden fees and have limitations on their investments and holdings. ETFs/exchange-traded funds are less expensive and more liquid, as are individual securities.
WATCH THE MARKET
The market is like the ocean–the minute you turn your back, it can knock you down. We stay focused daily on the movement of the market so we can adjust promptly as needed to stay on course and mitigate losses.
BE INFORMED, STRATEGIC + PROACTIVE
We align our clients’ investments with the market along the strategic path that Wall Street, and the big banks and institutional investors, are planning for the future. To maintain a clear understanding of where the market and economy are headed, we
—follow the monetary and fiscal policies of the Federal Reserve
—stay in touch with what Wall Street is doing
—review the research and strategies of the big banks and brokerage houses
MAKE QUALITY INVESTMENTS
In choosing securities, we look for sector and industry leaders—companies that have solid financials, positions of strength in their fields and institutional buying support.
SET PRICE POINTS
We use hedging techniques to provide some downside protection when appropriate in periods of significant market volatility.
custom financial plans
We take time to get to know you and to learn about your finances in detail. We use math to show us your income, cash flow and asset growth over time. We then create a customized comprehensive financial roadmap. This sets the foundation for our development of a strategic investment plan that meets your specific current and future needs.
in-house design + management
In designing your investment mix, we evaluate and balance your needs to protect and grow your wealth. We actively manage your investments in-house and meet with you regularly to review and assess how successful we’ve been and discuss any adjustments that may be needed to realign your investments with any changes in your finances, life or lifestyle.
the SCF investment process
1| COMPREHENSIVE FINANCIAL PLAN TAILORED FOR YOU
We start with you—and a clear picture of your finances. We thoroughly review your assets, income, expenses and cash flow, and craft a detailed financial roadmap using mathematical analysis to show us what you need to meet your financial obligations and to provide you with financial security over the long term.
2| KNOWLEDGEABLE, STRATEGIC INVESTING
Using your customized financial plan, mathematical analysis, and our quality research and extensive experience, we create and implement a strategic investment plan designed exclusively for you. We determine your investment mix based on your specific needs, using math to back into the assets, returns and cash flow required to maintain your financial stability and wellbeing while minimizing risk.
3| IN-HOUSE MANAGEMENT + REGULAR REVIEW
We actively manage your investments in-house. We’re hands-on. We meet with you regularly to review, assess and discuss any recommended actions or adjustments that may be needed to keep your investments aligned with your needs as your life evolves.