Investment Approach

It Starts with a Plan

Investing should be done with a purpose and a plan. That’s why one of the first things your CuVantis Financial Advisor will ask is, “What are your goals?”  Whether its retirement, education, caring for elderly parents, starting a business or chasing a dream, your investments should support the goals that are most important to you.

Professional Allocation Models

Studies* have shown that one very important determinant of investment returns is the asset allocation decision. Through an agreement with our account custodian, TD Ameritrade Institutional,** we have access to a wide variety of passive, active and even tax-sensitive allocation models from industry pioneers including BlackRock, State Street Global Advisors, Wilshire Associates and more.

Low Expense Ratio Investments

While the debate over active versus passive money management continues, the truth is each will cycle into and out of favor over time and either may be appropriate depending on the client’s goals. When tax-sensitivity, active security selection or dynamic allocation management is called for, we’ll utilize active managers and techniques to achieve those goals, but then implement other areas of the portfolio with passive investments in an effort to bring overall costs down. When no special considerations are present, we’ll implement the entire model predominantly using low-cost, passively-managed index funds or ETF’s.

Digital Advice Platform

In traditional programs, oftentimes the only option available to small investors is a commission-based product. That’s why we’ve made a digital advice platform available that will guide members to identify their risk tolerance and suggest professionally-allocated, low-cost portfolios suitable for their investment objectives.  Each account includes flat-fee personal assistance from a licensed advisor.

*The Importance of Asset Allocation, Ibbotson, R., Financial Analysts Journal, Vol 66, Number 2, March/April 2010.

**TD Ameritrade Institutional is a division of TD Ameritrade Inc., member FINRA/SIPC (“TD Ameritrade”), an unaffiliated SEC-registered broker-dealer and FINRA member.

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