Service
We meet with prospective clients and go over their financial plan and where they are with respect to their goals and aspirations. We develop an investment policy statement. The IPS is discussed in detail and takes into account risk tolerance and the return requirements to reach those goals.
We arrive at an investment asset allocation among types of securities, stocks, bonds, exchange and mutual funds, metals, real estate, cash, etc. The portfolio is also allocated across different sectors of the economy, both within the United States and internationally. Asset allocation is the most important foundation for investment success.
Once the investment policy is signed off on, the investment plan is put into place. The portfolio is monitored for current and prospective performance. Oftentimes, clients bring accounts over to us whose portfolios may have a low-cost basis in particular stocks that if sold would trigger excessive tax on the resulting capital gain. Each clients individual situation is taken into account.
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We are fee-only investment managers and financial planners. We are compensated only by our clients. We only answer to our clients. Cincinnati Portfolio Advisors does not accept commissions or 12b-1 fees from mutual funds. We never place ourself in a position that could compromise us from always doing what is in the clients best interest.
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We do not hold custody of client accounts. The broker/dealer we clear through is dedicated to the registered investment advisor profession. TradePMR does an excellent job assisting us to serve our clients. Quarterly and annual statements are generated by TradePMR with their logo in the upper left and ours on the right.
Members of the Securities Investor Protection Corporation (SIPC), all accounts are insured to $500,000. $24.5 million of additional insurance is provided with Lloyd's of London, bringing the insured account level to $25 million.
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