|
Our Investment Management Process
Characteristics of Triune as an Independent firm:
Objective – We are fee-based and utilize independent research. The Investment Management Services of our Advisors are offered through Cambridge Investment Research Advisors, Inc. a Registered Investment Advisor. We are in no way affiliated with nor sponsored by any mutual fund company, investment banking firm or insurance company. Our only incentive is to generate good results for our clients.
Accountability – Solid, long-term relationships require accountability. In an investment advisor relationship this includes detailed quarterly reporting and periodic face to face meetings with your investment committee.
Transparency- We believe that it takes more than just professional experience (i.e. CFP®, CLU, ChFC, etc.) to earn trust and confidence.
Discipline – Objective, unbiased research and fundamental analysis drive our commitment to a disciplined management process.
All-Star Approach – We utilize research secured from a variety of independent sources; we have minimal back-office constraints. This enables us to select from a broad array of highly skilled managers. We typically use institutional share classes (when available), no-load funds and load-waived funds; ETFs & index funds are utilized when appropriate.
Litman Gregory® as a resource - A leader in the development of exceptionally thorough, original & creative independent research
-Manage Money for private clients and institutions
-Publish “No Load Fund Analyst” newsletter
Recognized by the WSJ, Kiplingers and Money Magazine
One of five to make the “Forbes Honor Roll”
-Fee-based research to the independent advisor community.
How does Triune use Litman Gregory®?
Four Model Portfolios
Model Portfolios have been constructed with an emphasis on managing risk and loss thresholds - this negates sloppy decision-making and emotionally based decision errors
– Models have 15-year track records
– Consistent out-performance relative to respective benchmarks
– Risk appropriate
|
|
RISK LEVEL |
INVESTMENT ALLOCATION |
|
Portfolio Type |
1-Year Loss Threshold |
Probability of Violating Loss Threshold
|
Inv Grade Bonds |
Large Cap Stocks |
Small Cap Stocks |
Foreign Stocks |
|
Conservative |
-5% |
2.2% |
60% |
30% |
5% |
5%
|
|
Balanced |
-10% |
1.4% |
40% |
40% |
8% |
12%
|
|
Equity-Tilted |
-15% |
0.9% |
25% |
50% |
10% |
15%
|
|
Equity |
-20% |
1.2% |
0% |
65% |
15% |
20%
|
These loss thresholds are NOT GUARANTEED. Probability Statistics are based on historical data. Past performance is not indicative of future performance.
Target Allocations: Looking for Opportunity
Identify asset class options – Which broad classes will we include and to what extent.
Consider unique asset classes – Asset classes not included in the neutral allocations are considered as are style and market cap opportunities.
Patience – Requires waiting for fat-pitch opportunities and not “swinging” at bad pitches.
“Fat-Pitch” Opportunity – Identify extreme undervaluation (or overvaluation) relative to alternative asset classes.
Discipline – Rebalancing takes the guess work out of timing the market or asset classes.
Neutral vs. Target Allocations - The above referenced allocations reflect a "neutral allocation". As opportunities arise, the portfolio allocation is changed into a "targeted allocation" based upon research.
Individual Money Manager Selection
Litman Gregory® Six-Step Due Diligence Process - A Six-Step process to narrow the current fund universe of thousands to a select number and to provide proactive, ongoing monitoring
Step One: Principia® Screen
Step Two: Due Diligence Questionnaire
Step Three: Manager Interview
Step Four: On-site Visit to Interview Team
Step Five: Presentation to the Litman Gregory® Team
Step Six: On-going Monitoring
Our Service Model
Identify risk tolerance and appropriate model portfolio
Develop investment policy statement
Frequent communication
– Proactive
– Monthly brokerage statements
– Quarterly performance reports
– Quarterly client newsletter discussing our current outlook and strategies
– Periodic face-to-face reviews
We are compensated based upon a percentage of assets under management on a declining scale based on the amount of assets under management.
TO ENCOURAGE & EQUIP YOU TO ACHIEVE
"FINANCIAL PEACE OF MIND"
|