Our Philosophy on Money Management

Our philosophy on money management is fairly simple. We want to find the best 3rd party managers we can and use them appropriately when constructing portfolios.

The key with any RIA platform is to offer a diverse grouping of portfolios so advisors can choose ones that are the most “suitable” for clients to help them achieve their financial planning goals.

Our portfolios are constructed and overseen by:

Joseph Maas, CFA, CFP®, ChFC, CLU®, MSFS, CVA, ABAR, CM&AA, CCIM

Our portfolios are a bit different than most RIAs. Why?

Because when we are talking about asset allocation we are talking about using asset classes like FIAs (Fixed Indexed Annuities), strategies designed by AI (Artificial intelligence), as well as various 3rd party money managers (who all have different styles).

The POM Intelligent Allocation Strategies are ideal for investors seeking to be both tactical and defensive in their allocation to multi-asset class investing. The goal is to provide investors with adaptive allocations to stocks and bonds suitable for all market conditions, resulting in reasonable risk-adjusted total returns. The managers will increase or decrease the equity and fixed income exposure as the markets ebb and flow between risk on and risk off assets. The strategies are tactical in that they can hold up to 100% cash or cash equivalents via a fundamental analysis process, or through a tactical overlay process. The strategies seek to adjust to changing market fundamentals and technical factors by rebalancing quarterly and incorporating quantitative and qualitative analyses. Additionally, the managers may adjust the portfolio between quarters if deemed necessary. The POM strategies are suitable for core allocations in conservative, moderate, and even growth portfolios. The POM strategies take a multi-manager approach to portfolio construction with each manager being selected by our CIO based on the manager’s overall contribution to the total portfolio.

Managers are selected for their contribution to equity, fixed income, asset allocation, and or a combination of their multi-asset class portfolio management processes. Our strategies also incorporate the latest technology in artificial intelligence (AI). At any given time, our strategies may utilize between 1 and 5 managers.  There is no guarantee that POM strategies will meet their performance expectations.

POM Strategies:

3 Conservative Models
3 Moderate Models
3 Aggressive Models
1 All Weather Aggressive Tactical Model

We also have 9-potfolios that include the above mixes and FIAs.

-Our portfolios have different fee structures. They range from 1.046% to 1.85%.

-Our portfolios all have an OnPointe Risk Analyzer “Risk Score.”

We also have a “white glove” service advisors can tap into (this is for higher net worth clients who need or demand a more hands-on/unique investment offering).

If you would like to download a summary of returns of our portfolios, a list of how they are constructed, and the fees for each, click on the image tp the right.

 

 

 

 

Our Portfolios