We Understand that everyone’s financial goals and needs are unique. That’s why we offer a wide range of customized
investment strategies to best fit your unique needs, goals and comfort level.

Growth Investing

Growth Investing

Investors who seek growth are typically trying to build their net worth over time. This is often done using a strategy that seeks capital gains as its primary objective. These strategies invest primarily in individual stocks and/or exchange-traded funds (ETFs) with potential for long-term growth and provide diversified market exposure.

Telos Large-Cap Core Strategy

A diversified equity portfolio primarily using individual U.S. large-cap equities. This strategy may also include real estate investment trusts (REITs), ETFs for small- and mid-cap, international, emerging markets, and master limited partnerships to increase diversification and enhance return opportunities.

Telos Global Multi-Cap Core ETF Strategy

A diversified equity strategy using ETFs to capture global growth. We draw on a tactical approach to encompass alternative asset classes in addition to domestic and international multi-cap holdings.

Income Investing

Income Investing

Many retirees and risk averse investors favor income as their primary objective. For those investors, we offer a number of strategies that can be used individually or in combination. These strategies primarily focus on high-quality companies with healthy and sustainable dividends, and are potentially less volatile, than the U.S. stock market. Investors near or in retirement with a long-term investment horizon, those seeking a more conservative exposure, and individuals seeking ways to reduce their taxable income are examples of clients who potentially can benefit from our strategies.

Equity Income:

Our equity income strategies seek to deliver total return through a combination of current yield and the potential for capital appreciation. Two options are available: one that focuses primarily on individual stocks and one that uses diversified ETFs.

Telos Large-Cap Dividend Strategy

A diversified equity portfolio primarily consisting of individual U.S. large-cap stocks and focused on above-average dividend payouts. May include REITs and ETFs in small and mid-cap domestic, international, emerging markets, and master limited partnerships to increase diversification and enhance income and return opportunities.

Telos Global Multi-Cap Dividend ETF Strategy

A diversified equity portfolio utilizing ETFs focusing on higher-than-average dividend payouts. Asset class selection focuses on a globally diversified portfolio. May also include REITs and master limited partnerships to increase diversification and enhance income.

Fixed Income:

Utilizing portfolios consisting of individual bonds has been a tried-and-true method for obtaining stable income. We provide options designed for different tax brackets and the ability to customize portfolios to target specific objectives. Our primary options include a portfolio of taxable, predominantly corporate bonds and a portfolio of municipal bonds. These can be mixed together for clients looking to obtain combinations of tax-free and taxable income.

Telos Taxable Fixed Income Strategy

A strategy primarily consisting of a conservative blend of high-quality corporate bonds. This portfolio is designed for investors who seek income with a relatively low level of risk. This strategy may include convertible bonds, preferred securities, and high-yield bonds to enhance income and return.

Telos Tax-Advantaged Fixed Income Strategy

A conservative blend of municipal fixed-income investments designed for tax-sensitive income while maintaining preservation of capital. Primarily high quality, liquid municipal issues are selected, monitored, and actively managed to enhance return.

Risk Management

Risk Management

Successful investing is about managing risk, not avoiding it. That’s why risk management is an integral part of our investment process. We apply a number of strategies that can help limit risk while offering the potential of higher returns.

Asset allocation - investing strategically: Asset allocation is a strategic approach to diversifying your portfolio among different asset classes that seeks to pursue the highest potential return within a certain level or risk. In an attempt to mitigate the risks of any one asset class, we use a diversified mix of asset classes, such as stocks, bonds, cash and other investment vehicles.

Diversification - spreading the risk: Diversification refers to the process of investing in a number of different securities. It takes asset allocation one step further by dividing your portfolio into different categories within each asset class. The key to diversification is to choose complementary investments that may perform differently under various market conditions.

Security selection: Once an asset allocation has been determined, we seek to identify appropriate securities to provide the desired investment returns for your portfolio without taking excessive risk.

Rebalancing: Shifting market prices will likely alter the asset allocation balance in your portfolio over time. This is commonly referred to as ‘asset drift’. The long-term consequence of asset drift is an altered risk level for your portfolio, which in turn may impair the ability to reach your long-term financial goals. Rebalancing involves reducing exposure to assets that have recently outperformed on a relative basis and buying those which have underperformed.

DISCLAIMER: While the process of diversifying your assets across multiple asset classes can help to reduce overall risk, it does not
eliminate market risk altogether.

Investing involves risk, including the potential loss of principal. There is no guarantee that a diversified portfolio will outperform a
non-diversified portfolio in any given market environment. No investment strategy, such as asset allocation can guarantee a profit or protect against loss in periods of declining values.

Retirement Planning

Retirement Planning

Learning About You

The first step in planning for your financial future begins with a meeting, where we determine your current financial situation and identify your goals. We want to understand what is most important to you. We’ll ask questions about your desired retirement date, how much income you believe you will need in retirement, your savings goals for life events such as weddings, college tuition, and more.

After gathering basic information, we will then ask you to complete a Financial Profile form. This information helps us build and fine-tune your formal retirement plan. Here we will learn about your income and expenses, retirement plan contributions, real estate, pensions, and other details that are important to building an accurate plan. We will also enter the details of your current assets into the plan—an integral part of determining the plan’s level of success.

Implementing a plan

Once we have a good understanding of your finances and goals, and once all the pertinent information is identified and included in the plan, we will begin projecting the details using various rates of return and inflation. We evaluate where you stand in relation to where you want to be, and make recommendations to help you build, manage, and safeguard your wealth.

Alternate scenarios will be run to help determine prudent courses of action to help meet your goals. Do you want to downsize your home and move to another state or country? Do you want to travel more in retirement? Do you want to leave a portion of your assets to charity? We can run these and other “what if” scenarios so that you come away with an appropriate confidence level regarding the success of your plan.

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Of course, life happens. Sometimes our lives don’t go quite the way we plan. So we provide you with a “living plan,” which allows us to make changes as your life changes. And as your trusted adviser, we will continue to provide prudent advice along the way.

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