The Path to Success
GCWM offers ongoing portfolio management services based on the individual goals, objectives, time horizon, and risk tolerance of each client. GCWM creates an Investment Policy Statement for each client, which outlines the client’s current situation (income, tax levels, and risk tolerance levels).
Portfolio management services include, but are not limited to, the following:
Personal Investment Policy
Regular Portfolio Monitoring
GCWM evaluates the current investments of each client with respect to their risk tolerance levels and time horizon. GCWM will request discretionary authority from clients in order to select securities and execute transactions without permission from the client prior to each transaction. Risk tolerance levels are documented in the Investment Policy Statement, which is given to each client.
GCWM generally limits its investment advice to the following:
Fixed Income Securities
Real Estate Funds (including REITs)
ETFs (including ETFs in the gold and precious metal sectors)
Treasury inflation protected/inflation linked bonds
GCWM may use other securities as well to help diversify a portfolio when applicable.
GCWM offers the same suite of services to all of its clients. However, specific client investment strategies and their implementation are dependent upon the client Investment Policy Statement which outlines each client’s current situation (income, tax levels, and risk tolerance levels). Clients may impose restrictions in investing in certain securities or types of securities in accordance with their values or beliefs.
A Comprehensive Approach
A strong planning process is the best way to create a more financially secure plan. It is crucial to create a financial plan that seeks to protect your needs now, and that plans for the future, in a tax efficient manner. It is our goal to assist you to build a solid financial structure that will stand the test of time and that will grow and build wealth for you and your family.
With these goals in mind, we will work together to assess your total financial planning needs. We will consider important milestones such as major purchases, marriage, children, education, dreams and retirement. This plan will entail regular review of ongoing financial management strategies.
This goal-based financial security planning approach is designed to help you:
1) Define customized short and long-term goals that ensure you choose only the right financial products and services.
2) Identify roadblocks or gaps that might impact your financial planning strategy.
3) Continually monitor your plan to ensure it meets your changing needs.
GCWM’s methods of analysis include:
Charting Analysis - involves the use of patterns in performance charts. GCWM uses this technique to search for patterns used to help predict favorable conditions for buying or selling a security.
Fundamental Analysis - involves the analysis of financial statements, the general financial health of companies, and the analysis of management or competitive advantages.
Technical Analysis - involves the analysis of past market data; primarily price and volume.
Cyclical Analysis - involves the analysis of business cycles to find favorable conditions for buying or selling a security.
Quantitative Analysis - deals with measurable factors as distinguished from qualitative considerations such as the character of management or the state of employee morale, such as the value of assets, the cost of capital, historical projections of sales, and so on.
Modern Portfolio Theory - attempts to maximize portfolio expected return for a given amount of portfolio risk, or equivalently minimize risk for a given level of expected return, each by carefully choosing the proportions of various assets.
GCWM uses long term trading, short term trading, short sales, margin transactions, and options trading (including covered options, uncovered options, or spreading strategies).