Investment Philosophy
- I. INCOME-ORIENTED CAPITAL GROWTH
- II. GLOBAL ASSET ALLOCATION
- III. INDIVIDUALIZED ALLOCATION
- IV. COMMUNICATION
Our consistent and enduring investment beliefs.
We will continue to have bull and bear markets. These are the principles that guide our investment decisions in all markets.
Goal setting
Align with customized plan
Tactical asset allocation
Tax-Smart Investing
Manage risk
Asset allocation
We believe asset allocation is the most important aspect of investing. Which asset classes and how much of them you choose to hold may ultimately determine your return, level of diversification, and risk/reward balance—not to mention your psychological well-being.
In building your dynamic portfolio, we start with a detailed discussion of your risk tolerance, income requirements, performance goals, and specific needs for cash disbursements in the future.
We then make recommendations, execute the strategy (with your agreement), and review it often to make sure it is still in line your expectations.
Generally, we diversify clients’ portfolios among the following asset classes:
- • Global equities
- • Global bonds
- • Inflation-protected bonds
- • Municipal bonds
- • Exchange-traded funds (ETFs)
- • Commodities (real assets)
- • Lower-volatility, higher-yielding equities
- • Master limited partnerships (MLPs)
A consistent and continuous investment process
Coordinating the specialists, knowledge and resources to manage wealth
Wealth Management Services
Building wealth comes from years of hard work, dedication, and perseverance. At HLM, we strive to help you preserve and grow wealth through a prudent mix of diversified investments matched to your unique goals, time frame, and risk tolerance.
Our knowledgeable team can help you address your entire range of financial needs, from investment management to wealth transfer, liability management to tax planning.
Investment Planning
- Establishing a comprehensive plan
- Coordinating information with your accountant and attorney
- Generational wealth transfer
Finances
- Liquidity management
- Cash management
- College education planning
Liability Management
Through our Wells Fargo Affiliates, you have access to lending products and services, including:
- Securities-based financing
- Residential Mortgages
- Home equity financing
- Credit Cards
Business Owners
- Liquidity event planning
- Coordinating with accountants
- Coordinating with attorneys
- Business financing
Services for comprehensive wealth management
Financial Services
