Fixed Income Approach
“My principles are more important than the money or my title.”
The highest quality government, municipal and corporate bonds with both short and long-term maturities can be used in the portfolios. In most cases, after-tax yield, income requirements and preservation of capital are the primary considerations in our fixed income strategy. In certain situations we will use preferred securities as a way to provide additional income for a clients portfolio. A balance of fixed income (bonds) and preferred securities is the optimal way to achieve a clients income needs. We may on occasion use fixed annuities if fixed rates are attractive and principal protection is our primary goal.
“Progressive Money Management” is constantly and actively reviewing all accounts for changes in your personal financial condition and or objectives. At SWCM we don’t creat a useless financial plan that is really no more then a marketing tool used by advisors to raise money. Instead we use real time analysis to provide our clients with the best money management advice and consultation resulting in higher quality financial advice. In addition this allows us to focus on making better investment decisions that outperform your expectations. We base our reviews on valuation of securities owned, asset dedications, and stocks selected and then determine and execute the necessary changes to each portfolio. We will not hesitate to make shifts into different markets and/or securities when the valuation parameters change or with any change to your financial situation.
The result is a more personalized, higher quality portfolio designed to deliver consistent returns and a greater chance of outperforming your financial objectives.
At SWCM we don’t use asset allocation to build clients portfolios. Asset allocation is really a form of market timing. We don’t practice market timing in fact we look at the equity market as a place to buy the stock of companies we find attractive. We practice asset dedication. Asset dedication is the practice of making an investment and applying a percentage of that investment to your portfolio based on your needs and objectives.