Customized Portfolio Solutions

BNN Money Talk interview with Doug on July 20th, 2009. Click Here To View.

We build unique, customized portfolio solutions, for our clients. Our portfolio solutions are unique because:

Each portfolio is unique to the individual circumstances and goals of each client.
Each portfolio may contain a combination of individual securities, wholesale mutual funds, exchange traded funds or any one of our unique private investment pools (available only to clients of the R.N. Croft Financial Group).
Each portfolio is designed to minimize overall investment management fees. Most client accounts over $250,000 in value pay less than 2% per year in management fees. Over time our typical client account will pay 20% to 50% lower investment management fees. As your portfolio increases in value the management fees you pay, as a percent of your total assets, decline in value.
Each portfolio will contain several unique features to minimize taxes.
Each portfolio will contain several unique strategies to minimize the risk of capital loss. While the risk of loss is inherant in any investment designed to produce above average rates of return, minimizing losses is key to the long term wealth building success.

One of the key challenges facing all financial advisors is the ability to actively "monitor" their client portfolios over time. When selecting a portfolio manager or investment advisor it is important to ask these three critical questions:

Who actually looks at my specific portfolio?
How often will you look at my specific portfolio?
When you do look at my portfolio, do you have a systematic way of evaluating the both the risks and the opportunities that are appropriate for me at this stage in my life?

We believe that these three questions are critical to the long term successful return and risk management of the portfolio. To address these questions we have implemented two specific strategies:

We have capped the number of families we can work with in this area at 100. Today we are currently serving 75 families in this manner and have the ability to accept a small number of additional families. Our minimum investment for a new family is $250,000.
We employ our patented 25 Point Portfolio Inspection Process.

The 25 Point Portfolio Inspection Process has been designed by our firm as a systematic way to assess the risks and opportunities in your portfolio as it pertains to you specifically at this stage in your life. We set specific "review" dates for your portfolio each year. The number of reviews is based on the size of your portfolio. By setting specific "review dates" you are assured that we will be reviewing your portfolio based on a minimum level of frequency each year. We also review the portfolio consistently each time using our 25 Point Portfolio Inspection Process. The process measures against a series of pre-determined benchmarks to ensure that the risk profile of your portfolio is always consistent with your personal risk profile and the current risk profile of the overall market.

Our relationship with the R.N. Croft Financial Group enables us to provide these portfolio management services to you on a "discretionary" basis. This means that we are abile to make changes on behalf of all our clients at the exact same time as the markets fluctuate. This helps to protect wealth while also taking advantage of unique opportunities as they arise.

On another point, did you know that over your lifetime as much as $250,000 to $500,000 may be paid by you in money management fees to your financial advisor? Did you know that money management fees can be a significant contributor to reduced wealth? We recognize that our fees need to be at a reasonable level so that we can provide these services in a profitable manner, but we also recognize that clients expect us to eliminate as much "fat" out of the system as possible. By providing this type of "specialized" service for a smaller group of clients we are able to achieve this exciting outcome. Most of our clients today pay fees that are 20% to 50% lower than the industry norm.

Is this the type of portfolio management service you have been looking for?

Are you curious as to how our approach will help to reduce your portfolio risk, reduce your management fees while increasing your odds of success?

If so, then send me a note and I'd be happy to speak with you further. In the mean time, check out my special report and e-books in this area.