Our Process

Discovery

Investment Policy Statement

Design Portfolio

Discuss Results

Each client engagement begins by our listening and gaining a clear understanding of the client’s investment objective(s)/goal(s) and willingness to accept normal investment return volatility.

Typical investment objectives include:

  • Providing periodic, recurring cash distribution to support spending – endowment, trust, and retirement funds.
  • Accumulating a targeted capital amount for a specific purpose at a known future date – future retirement fund, future asset acquisition, and future gifting to family and charity.

Return volatility objectives include:

  • Determining the client tolerance for single period (annual) and multi-period declines in market value.
  • We call this the “sleep insurance” indicator.

Once the investment objective and volatility constraints are defined, we adopt a customized written Investment Policy guideline for asset allocation constraints, specific security constraints, and performance measurement.  Unique tax and legal aspects are also considered when forming an Investment Policy guideline and we coordinate with those professionals as needed.

Next, we design specific diversified portfolios to achieve, in our opinion, the desired investment objective consistent with the client's desired return volatility.

Client portfolios are implemented with fully marketable securities with daily quotes.  Implementation is accomplished using open-ended mutual funds, exchange-traded funds, and securities of individual issuers.  Our firm does not invest client funds in illiquid partnerships or similar vehicles.

Portfolio performance monitoring is facilitated through a robust quarterly report that details investment results compared to relevant market indices, policy indices, and long-term funding goals.  Client meetings to review results are required at least annually or more frequently as requested.

Our investment advisory services are described fully in our investment advisory agreement with the client.  Our fees are calculated as an annual % of assets under management (AUM) and collected quarterly through a charge to the client’s account at the independent custody firm.  Our agreement is cancellable with notice by either the client or firm.  Any unearned fee is refunded to the client’s account.

*Please Note: Adkins Seale Capital Management, LLC does not serve as an attorney, accountant, or insurance agent.  Adkins Seale Capital Management, LLC does not prepare estate planning documents or tax returns, nor does it sell insurance products.

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