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Investment Management Philosophy
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"When
investors want a strong relationship with their
wealth managers, we are here and we listen." |
The investment philosophy of Montecito Bank & Trust is client focused and client driven, emphasizing a flexible, creative approach tailored to the unique investment needs of our clients. Accordingly, the specific investment style for each account is determined jointly by consultation between the bank and the client. Both parties must agree on the objectives of the portfolio, as well as the measurement criteria that will be used to define success in the relationship, before we proceed with an investment strategy. By jointly agreeing in advance on the investment objectives and the definition of success in achieving those objectives, we believe we substantially increase the likelihood of achieving our goal of long-term, multi-generational, mutually satisfying client relationships.
We take into consideration such issues as investment time horizon, risk tolerance, current income requirements, long term growth objectives, and liquidity and cash management needs. We also place important emphasis on the tax ramifications of different investment strategies. Each decision to buy or sell a particular security includes an analysis of the short and long-term effects of income, capital gains, and estate taxes on investment performance. This ensures that our clients receive the best overall investment performance on a net, after-tax basis.
Equity Strategy
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Fixed
Income Strategy >>
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