Investment Management

Few peo­ple have the time, knowl­edge or incli­na­tion to fol­low the invest­ment mar­kets and man­age their wealth as closely as they should. That’s why many peo­ple choose Stan­Corp Invest­ment Advis­ers to help them plan and man­age their wealth.

Select­ing an invest­ment advi­sor is an impor­tant deci­sion, not only for the imme­di­ate future, but for years to come. In select­ing an advi­sor most peo­ple look for a firm with these advantages:

• A fee-only advi­sor com­pen­sated solely by client fees
• Advanced risk man­age­ment strategies
• A repeat­able invest­ment methodology
• A pro­fes­sion­ally accred­ited, expe­ri­enced invest­ment team
• Excel­lent ana­lyt­i­cal and sys­tems resources
• A com­mit­ment to out­stand­ing per­sonal service
• Trans­par­ent and rea­son­able fees

Our Approach

Fact Gath­er­ing and Plan­ning

The nec­es­sary first step in suc­cess­ful invest­ment man­age­ment is to under­stand your finan­cial resources and objec­tives and to eval­u­ate your cur­rent invest­ments. For some clients, this involves a finan­cial plan. For oth­ers, it is the eval­u­a­tion of a par­tic­u­lar goal, such as deter­min­ing the sav­ings, spend­ing, and invest­ment char­ac­ter­is­tics nec­es­sary to meet your retire­ment income goal.

Invest­ment Pol­icy State­ment

Our goal after com­plet­ing the fact gath­er­ing and plan­ning step is to com­plete a quan­ti­ta­tive asset allo­ca­tion model so that our rec­om­mended port­fo­lio is a com­bi­na­tion of asset classes that has the high­est sta­tis­ti­cal prob­a­bil­ity of meet­ing your objec­tives with the least amount of risk. We con­sider this port­fo­lio a “strate­gic tem­plate” that is used to select the com­bi­na­tion of stocks, bonds, and mutual funds that com­prise our rec­om­mended port­fo­lio. We alter this port­fo­lio within approved vari­ances to meet chang­ing eco­nomic con­di­tions. If you approve our rec­om­men­da­tion, then this model and the approved vari­ances are devel­oped into a writ­ten for­mat that becomes your Invest­ment Pol­icy Statement.

Dis­cre­tionary Man­age­ment Agree­ment

Our agree­ment with you gives us lim­ited dis­cre­tionary author­ity to man­age your assets within the con­text of your Invest­ment Pol­icy State­ment, with­out obtain­ing your autho­riza­tion for each trade. We are paid a fee, based on the per­cent­age of assets under man­age­ment and accept no com­pen­sa­tion from any source other than our clients.

Estab­lish­ing a Cus­to­dial Account

We do not act as cus­to­di­ans. Instead, we estab­lish accounts with low-cost bro­ker­age firms and are given lim­ited power of attor­ney by you to trade your account. We have no abil­ity to access your account or to remove money from it beyond the col­lec­tion of our fee. Once the cus­to­dial account is estab­lished, exist­ing assets are trans­ferred to it and we man­age those assets in accor­dance with your Invest­ment Pol­icy Statement.

Types of Secu­ri­ties

We man­age port­fo­lios con­tain­ing stocks, bonds, mutual funds, EFTs (Exchange Traded Funds) and real estate-related securities.Your account is man­aged individually.

Risk Man­age­ment Tech­niques

Effec­tive risk man­age­ment is an inte­gral part of our invest­ment man­age­ment. Risk man­age­ment not only focuses on what has hap­pened in the past, but also what could hap­pen in the future. Diver­si­fi­ca­tion alone will not pre­vent losses dur­ing a sub­stan­tial mar­ket decline since in the past, most asset classes have moved down­ward together.

For this rea­son, when we build your port­fo­lio, we employ six strate­gies to help pro­tect your portfolio.

1. Active port­fo­lio management
2. Active stop-loss limit (optional on all of our portfolios)
3. Screen­ing for cor­po­rate malfeasance
4. Min­i­mum required capital
5. Mean-variance opti­miza­tion (MVO)
6. Min­i­mum accept­able return (MAR)

We are happy to pro­vide you with more infor­ma­tion on each strat­egy dur­ing our ini­tial consultation.

Free Port­fo­lio Eval­u­a­tion
If you are inter­ested in our ser­vices, we are happy to meet with you and pro­vide an ini­tial com­pli­men­tary port­fo­lio evaluation.