Investment Management is not just Asset Allocation
|Investment & Portfolio Management Service
This is our most comprehensive service since we become an ongoing resource for most of your financial needs. In this
option we are managing your retirement, college funding and taxable investment accounts. In addition to just the
portfolio management you have access to us for additional personal financial questions you may encounter in your life.
It is an ongoing relationship which includes one or two annual meetings to update and address changes in your financial
life. As an added benefit our college planning service come free if your are a investment management client.
As part of this process we do ask that you do a financial plan prior to becoming a portfolio client. This is done for two
reasons. The first is that a plan for your investments is established. We want to understand your risk tolerance,
financial goals and needs. Simply creating an asset allocation and putting your money into a variety of funds is not the
way we do investment management.
The second reason is to make sure we can establish a good level of communication. This is a very personal part of your
financial future. If a level of communication and common goals can not be established then we believe it is not in yours
and ours best interest to go further in this relationship. The financial plan requires three meetings at a minimum and
gives both parties the opportunity to evaluate each other.
An important part of creating financial security is to understand your goals and time frame to accomplish these goals.
Once we understand these goals and your risk tolerance, a custom portfolio can be designed and developed for you.
Within that portfolio design investment flexibility and performance are the major considerations. The primary goal is to
protect your capital and align that to your risk tolerance and goals.
Managing Our Client's Cost of Investing.
Amrein Financial believes that transaction cost and fund fees should be minimized as best we can. We currently track
over 100 exchange traded funds (ETF) on a daily basis. Our beliefs follow many of the same investment cost values as
Jack Bogle, the founder of Vanguard Funds. Our main investments include exchange traded funds, no-load mutual
funds and various types of bonds. As fiduciaries, we act on your behave and take this responsibility very seriously.
This is your money and we act accordingly.
Our investment strategy is slightly different. To manage the risk we do believe in following as personalized asset
allocation per family or client. We have specific buy and hold rules that we use as a guide. A strategy of buy and hold is
not applied in the equity portion of the client's portfolio. On average we make 3 to 4 portfolio adjustments per year
based on market conditions. In addition we manage your asset allocation across your entire portfolio and not by
account. This reduces the transaction cost for our clients.
Due to the changes in market conditions having the ability to liquidate a position without penalty is important. Unless it is
agreed prior to the investment we rarely use any investments that have redemption fees or other fund fees that are not
part of the normal management fund cost. In recent years many no load funds have added these types of fees in
addition to their management fees. We try to avoid these funds as best we can.
Independent Third Party Custodian for Our Client's Safety
As part of our disclosure, you have full access to your funds. Amrein Financial never takes ownership of your funds.
We purely manage and make adjustment to your portfolio. There is an independent third party custodian that holds your
funds and that we use for transactions. You will get monthly account statements, have on line access and tax reporting
will come from this custodian. We currently use TD Ameritrade as our third party custodian.
Our investment goal is to take this complex process and simplify it for our clients. Fear and greed drive the stock
market. Creating a balance between these two emotions is a cornerstone on the way we work. Capital preservation is
very important to us. According to Warren Buffet, the world renowned investor, there are only two rules of investing.
Rule 1: Don’t lose the money. Rule 2: Never forget Rule Number 1.
We strive to achieve that goal while growing your investments by understanding your specific situation.
PO Box 468
Wynnewood, PA 19096
610 789 1255
Do you need ongoing professional financial advice?