Investment Process
Individual and family wealth management is about more than investing – it’s the design and implementation of a thorough and customized financial plan that will preserve and grow individual and family assets. At Semper Trust Company and Stratton Management Company, we have been designing and implementing wealth management plans for individuals and families for over 30 years. Over that extensive period, we have been called upon to provide objective advice as to how an individual or family should treat a sensitive situation much like a family physician, lawyer or accountant. This advice often extends beyond the basic construction of investment portfolios. We have advised on such complex issues as buying and holding businesses and real estate, distributing assets to future generations, and the appropriate amount and form of charitable giving. In situations such as these, we pride ourselves on our ability to provide objective advice based upon the personal wishes and desires of our clients.
When we begin to build a new portfolio for an individual client, our bias will always be toward the value style of investing. However, our strong commitment to personalized client service empowers our managers to assess the needs and concerns of each of our clients on an individual basis. We begin the portfolio construction process by examining the client’s risk tolerance, investment time horizon, need for current income, and their own expectations of portfolio growth. Once this assessment is complete, a portfolio is constructed consisting of the proper allocation between equity and fixed income securities. The portfolio and the client’s investment characteristics are reviewed periodically in order to ensure that the two remain compatible.