Investment Planning

Our strategic and tactical approach reduces emotion and prudently manages assets to increase the probability of meeting a client’s long-term financial goals. Portfolios are tailored to our client’s specific facts, risk tolerance, and strategy preference and where appropriate integrated into CFM Horizon , which serves as their financial road map. To accomplish this, our portfolios are designed to incorporate the following:

  • Proper diversification and strategic asset allocation to reduce “idiosyncratic” risk and align the baseline portfolio risk/return characteristics with the investor’s goals.*
  • Dedicated allocations to help dampen volatility: higher quality equities, active managers, passive assets, and alternatives.
  • Tactical allocations that focus on reducing downside exposure; these are done methodically, based on market and economic fundamentals.
  • CFM Horizon long-run cash flow projections, which assist in determining the appropriate risk/return portfolio profile and, when needed, help develop a portfolio waterline – the asset value required to help meet the client’s future obligations.

*Asset allocation does not guarantee against a loss.