Wealth Management

McGinnSmith focuses on relationships, not products. Before we present ideas, we listen and work with you to analyze your individual needs, goals, and investment challenges.

Only after we have a full understanding of your financial picture do we bring our expertise to bear on delivering the appropriate portfolio solutions. We pride ourselves on an unwavering commitment to integrity, stability, and the highest standards of service and performance.

Our investment approach provides a disciplined process that identifies your unique investment goals, and establishes a personalized investment plan to meet them. We employ a defined process for each critical step in the investment management cycle including goal setting and risk/return profiling, asset allocation modeling, investment manager selection, ongoing monitoring and comprehensive reporting.

Identify Client's Needs

We start off the investment process with an analysis of your requirements and goals. A profile is developed that highlights your needs regarding your investment objectives, tolerance for risk and investment time horizon and then used as the foundation for a long-range investment strategy.

Once your requirements have been established, we work together with you to define an investment plan that is tailored to your specific situation. This strategy may include separately managed accounts, actively managed mutual funds or other investment solutions. Bottom line – our objective is to discover what is most appropriate for your needs and your goals.

Determine Assets Allocation Policy

The weighting of the various asset categories that make up a portfolio is one of the most important factors in the successful implementation of any investment strategy. However, asset allocation involves more than just calculating the right blend of stocks, bonds and cash. Diversification is a key component in increasing the security of a portfolio and investors should consider diversifying their holdings and reduce risk by investing in each class and in each style category according to their risk profile.

Your financial advisor will help you balance your allocation with changing market conditions and make sure it stays in line with your investment objectives.

Recommend Asset Managers

With a thorough assessment of your needs and with the asset allocation strategy in place, the next crucial step is to carefully integrate asset managers that control risk while maximizing the potential for return. In selecting asset managers to participate in our investment programs, we employ a careful evaluation and due diligence process that screens over 5,000 investment management firms down to a select few to be represented.

By using this process, we are able to present some of the best investment managers who specialize in a broad range of asset classes, many of whom were once available exclusively to large institutional investors. At this stage, we weave the asset allocation policy we create for you with the appropriate asset managers and attempt to spread out across styles and managers to create a blend that best suits your needs.

Monitoring Portfolio

Investing in the portfolio is really only the beginning of the process. On an ongoing basis, your portfolio will be monitored to insure it remains on track to achieve the investment goals and objectives. Market conditions, contributions to the account and other factors may cause the allocations to fall outside the targets originally set for the portfolio. If this happens, your financial advisor may contact you to determine whether or not it would be appropriate to bring allocations back within the original desired range.

Our objective is to provide you with a sound investment plan that is built around your individual investment needs. To this end, we employ an objective advice-driven process where we listen to your investment goals and then select the solutions fit to help you achieve them. Every step we take is determined by the investment strategy approved by you. And we ensure that you are regularly informed of the progress of your portfolio so that you can understand how you are tracking toward your goals.