Customized Comprehensive Solution
At Benefit Financial Services Group, we provide a comprehensive investment program that matches the needs of each particular client. Such a program identifies each client’s goals, financial ability to take risk, personal willingness to accept risk, time horizon, and ability to diversify based upon the size of the portfolio. These elements are combined into a complete solution and encapsulated into an Investment Policy Statement.
The Team Approach
Each client is assigned a primary and secondary portfolio manager so that there will always be two professionals available to the client who is familiar with that client’s particulars. Additionally, many investment decisions are made by Benefit Financial Services Group’s Investment Committee. Such an approach helps insure that each client is receiving the best investment ideas regardless of which portfolio manager they may be assigned.
Benefit Financial Services Group currently has two investment platforms designed to accommodate each client’s preferences:
Platinum – A fully custom platform where the portfolio manager may utilize a full range of investment vehicles including individual stocks, individual bonds, exchange traded funds, and mutual funds.
Gold – For those who prefer investing in mutual funds and exchange traded funds, we offer portfolios that utilize only exchange traded funds and/or mutual funds.
Top Down Macroeconomic Overlay
Incorporated into every investment platform is a macroeconomic overlay that aims to proactively rebalance among equities, fixed income, and cash. Benefit Financial Services Group’s Investment Committee uses various information including independent outside research as well as our own proprietary economic research to determine the current position in the business cycle and which asset classes to favor. A portfolio’s target asset mix may be adjusted within the stated ranges set for each investment objective based upon the macroeconomic outlook. The ranges for each asset class are clearly stated in the client’s Investment Policy Statement.
Bottom Up Investment Selection
Each investment in a client’s portfolio must meet quality standards and be approved by our Investment Committee before they are available for purchase into a client account. Each member of the committee presents investment ideas and has an active role in determining which investments obtain approval.
Using parameters including; a client’s investment objective, asset mix, choice of platform, list of approved investments, as well as any client’s unique requests, the portfolio manager will construct and manage the investment portfolio.