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Investment Process

Asset Allocation Asset Allocation

Our process begins with a thorough review of a clients goals, objectives and risk tolerance. As a planning based firm, we spend a lot of time and effort getting to know our clients and getting their asset allocation right. 

We employ a strategic long-term asset allocation framework across a multitude of asset classes, capitalization's and styles that should provide solid investment returns over multiple market cycles. 

Return Projections- To Build Strong Portfolios

Making appropriate return assumptions is a critical first step to meeting portfolio goals and expectations. We use a proven process that ensures the most accurate Long Term Capital Market Assumptions available for planning and portfolio construction.

Portfolio Construction Portfolio Construction

We are mindful when creating our clients’ long-term investment portfolios to use a range of assets to diversify risk while building portfolios that are resilient in different economic conditions.  The construction of portfolios is always in-tune with our clients’ objectives for income, growth and risk-tolerance.

We endeavor to construct portfolios that strike an appropriate balance of Active and Passive investments. We select active managers that have a proven sustainable advantage and passive indexes that are low cost and most relevant in the current investing environment.

 Manager & Security Selection Manager & Security Selection

We utilize a completely unbiased manager-of-managers process to find the best investment strategies around the globe for our clients. We accept no fees other than from our clients, avoiding any conflicts posed by product offerings or external incentives. 

Our proprietary screening process ranks over 10,000 exchange traded funds (ETFs), mutual funds and separately managed accounts (SMAs) each quarter. Only the highest ranking investments, that screen well qualitatively and quantitatively, make their way into client portfolios.

Monitoring & Re-balancing Monitoring & Re-balancing

Periodic re-balancing, according to the client’s asset allocation, disciplines us to trim expensive assets that have run up in value, and add to cheaper assets when their prices have pulled back in value. A disciplined approach to re-balancing leads to better investment returns and reduces errors related to emotional decision making.

From the Desk of Kate Saltonstall
Chief Investment Officer

Sandy Cove Advisors

Investment Officer, Financial Advisor

Take a look at Kate's  

2022 Market in Review: The Bear Takes a Hold of 2022 

The year 2022 never had a chance of success as witnessed by the first week of trading that saw record new highs in early January erased within days, followed by a correction (-10%) and a bear market (-20%) in equities in a short period of time. Two key worries brought markets from their lofty perch; inflation fears and recession fears as a result of Fed monetary tightening. These two themes played out without much clarity on either front until later in the year. Markets tend to be more volatile during Fed tightening years and 2022 kept to this script. While we had two rallies in the late summer and late fall, they did not last.


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