Personalized Planning
At TCO, we apply a highly customized approach to creating your investment plan. We base it on your unique situation, then monitor and adjust it over time to reach your goal. While every client is different, our basic steps are:
Step 1: Understanding Your Specific Situation
The strategies and investments we suggest are influenced by several factors:
- The amount of assets you have to invest
- Your income needs now and in the future
- Your tax bracket
- The tolerance you personally have for investment risk
- Finally, the time horizon in which you wish to achieve investment growth
Step 2: Establishing Your Investment Objectives
Setting real, measurable objectives is essential to evaluating the long-term success of your portfolio investments. We take into account the situational factors above and help you identify the best financial goals in response. Some of the common objectives include:
- Capital Preservation: provides liquidity with a short time horizon
- Maximum Income, Income, or Balanced Income: generates moderate income with some growth
- Balanced Growth, Growth, or Aggressive Growth: promotes growth with some income
Step 3: Implementing Your Investment Strategy
Once your objectives are set, TCO uses the best-in-class resources of Northern Trust, Ned Davis Research, and ISI Research to assemble the strongest investments for achieving your goals. Their expertise guides us on which of the ten main economic sectors to overweight or underweight depending on the economic cycle and which stocks and bonds are the best within each market sector. In addition to utilizing these proven resources, we may also add exposure to mid-cap, small-cap, international, real estate, and commodities investments for increased diversification. We prefer Exchange Traded Funds for offering this diversity because they have very low expense ratios and can be traded like a stock.
