Wealth Management > Investment Management > Philosophy

Philosophy

Portfolios Customized to Fit Our Clients

Our investment management philosophy is built on the simple principle that each client is unique. Because we truly believe that, and because we take the time to make certain we fully understand each client's individual financial objectives, our approach to managing their investments is straightforward: each portfolio is customized to fit the client. While we have employed a number of successful investment strategies on behalf of our clients, the portfolio we design for you will reflect your specific financial situation, personal goals and individual tolerance for risk, not a "one-size-fits-all" formula.

In today's fast-moving global markets, investment management can be very challenging. We believe most investors are best served by employing experienced professionals who utilize proven strategies aimed at achieving superior long-term results. We regard capital preservation as paramount, and we carefully balance the risk and reward parameters in every move we make. We also consider the tax implications of our portfolio decisions, relating each one back to the specific financial circumstances of the individual client.

We believe that our clients should always be aware of our views on the markets and the rationale behind the choices we make on their behalf. What that means in practice is that our clients are accustomed to communicating directly with the investment professionals who are handling their accounts. You won't find that one-to-one service at most financial institutions, but it's the way we do business at Montecito Bank & Trust.