Investment Management

Your Capstone Investment Management Program

You’ve worked hard to build your wealth, we will help you keep it. Your Capstone Investment Management Program (CIMP) focuses on you - your goals, your needs, your values.

Investing can be very emotional, particularly when it’s your money.  Without a deliberate approach, decisions are often driven by the emotions of greed and fear.  Your Capstone Investment Management Program will provide you with the courage to stay in the market when times are tough and the discipline to systematically rebalance when times are good.

Our Investment Philosophy

Three fundamental factors affect the accumulation and distribution of your investments – 1) Taxes 2) Market Risk and 3) Fees.  Your CIMP will include comprehensive solutions that will minimize your taxes, manage risk according to your goals, and provide fee transparency so you know exactly what you’re paying for.

Incidentally, there are also three ways to manage money: Market Timing, Security Selection, and Asset Allocation.  In our opinion, the first two involve too much guesswork and risk.  We prefer to advocate diversification and asset allocation, which historically provide a more consistent method for achieving investment success. We will work with you to identify your acceptable level of risk, and in turn, create a portfolio mix that will provide maximum return.

Your investments should be managed on process, not emotion. The complexities, hidden fees, and mysteries of investing can be eliminated by partnering with us.  In the end, we create a portfolio customized to your individual goals and resources.

Your Capstone Investment Policy Statement

Your Capstone Investment Management Program (CIMP) begins with a personalized Investment Policy Statement that establishes a systematic discipline for decision-making - bringing transparency, clarity and shared understanding to our relationship.  Your IPS will:

1. Quantify Your Objectives – We’ll set clear and definable expectations based on your risk tolerance, return objectives and guidelines for investments.


2. Define Your Asset Allocation Policy – This creates a structure for identifying the investment asset classes to be used, achieving a diversified portfolio, and determining how your assets are best allocated.


3. Articulate Your Management Procedures – This defines how we will select, monitor, and evaluate performance of your invested assets, as well as how to appropriately manage changes.


4. Lay out Your Communication Procedures – Together, we’ll establish a clear protocol for communicating the status and performance of your CIMP to you on a regular basis.