INVESTMENT MANAGEMENT

EQUITY STRATEGIES

MODERATE EQUITY

Portfolio invested in individual stocks (usually 25-30), may include ETFs
Focus on large and mid-cap dividend paying stocks trading at a discount to intrinsic value
Small cap stocks and non-dividend payers may be included to increase total return
Primarily US companies
Diversified portfolio, but might not include stocks in every economic sector
For balanced portfolios, the amount allocated to bonds will be invested in no-load bond mutual funds or ETFs

AGGRESSIVE EQUITY

Portfolio invested in individual stocks (usually 25-30), may include ETFs
Focus on small and mid-cap stocks trading at a discount to intrinsic value
Large cap stocks may be included, when thought to be trading at a significant discount to intrinsic value
Primarily US companies
Non-diversified portfolio, may include significant exposure to one economic sector
More frequent trading may make this strategy less tax efficient
Highest risk strategy utilized by the firm, appropriate for risk capital, risk of loss greater than for other strategies

BROADLY DIVERSIFIED EQUITY

Portfolio invested in no-load mutual funds (usually 8-10), may include ETFs
Diversified across economic sectors and market capitalizations (large, mid and small)
Some exposure to international stocks through no-load mutual funds
For balanced portfolios, the amount allocated to bonds will be invested in no-load bond mutual funds or ETFs
Appropriate for clients seeking broad diversification
Also appropriate for accounts of less than $500,000