A successful investment plan requires a complete and well-balanced process. We take a team-driven approach to your managing your investments, ensuring that each portfolio is aligned to meet your unique objectives. We don't skip steps; we're focused on developing solutions to deliver the outcomes you seek.
Whether you are an individual, a family, a foundation or an endowment, we follow the same disciplined approach for wealth planning.
Our conflict-free investment management solutions focus on asset allocation modeling, manager due diligence and selection, personalized portfolio management, and active tax management. We build models based on reliable forward-looking capital market assumptions and offer an array of options to match your objectives. This results in a custom portfolio solution with the appropriate mix of mutual funds, exchange traded funds, separately managed accounts, and models-based management for your circumstances.
You can have confidence in your portfolio thanks to a process that includes monitoring for rebalancing, multi-level reporting, and regular meetings to review progress toward your goals. We additionally identify changing circumstances that may require adjustments to your portfolio.
The table below summarizes our comprehensive process to ensure your investment portfolio is aligned to meet your objectives.
||Your portfolio is created once we understand your specific needs, such as cash flow requirements, unique restrictions or preferences, tax implications, and other outside assets.
||This assessment of your risk capacity and risk tolerance, establishes the basis for your asset allocation mix and ensures sufficient liquidity in the portfolio.
||We create models based on reliable forward-looking capital market assumptions and offer an array of asset class options to match your objectives. This is the key determinant of risk and return potential.
||We design the right portfolio solution for your circumstances based on an appropriate application of mutual funds, exchange traded funds, separately managed accounts, and models-based management.
||We objectively evaluate a broad menu of active managers for security selection skill, favoring passive managers in asset classes where the performance of active management is unlikely to justify the cost.
||We regularly monitor deviation from your target allocation caused by market movements or cash flows. Then we determine the most cost-effective trades, buying and selling to rebalance the portfolio back to an acceptable level of risk.
||We use multiple strategies to reduce cost including: tax loss harvesting, tax optimized buying and selling when needed for distributions
Your Investments. Our Expertise.
Your wealth advisors are part of a team of investment experts responsible for all aspects of your account. The process is led by the Investment Committee, with support from portfolio and investment management teams using third-party institutional due diligence, research, analytics and modeling. Each key investment process undergoes reviews at established frequencies.
Through your local financial advisors and relationship team you’ll benefit from the institutional investing approach of First National 1870 Wealth Management.
Investment and insurance products are not FDIC-insured, are not a deposit or other obligation of, or guaranteed by the bank or an affiliate of the bank, are not insured by any federal government agency and are subject to investment risks, including possible loss of the principal amount invested.