Our fee-based investment advisory program is comprised of 10 different model portfolios using mutual funds and exchange traded funds (ETFs). The strategies are managed by the Spectrum Investment Committee on a discretionary basis.
The Spectrum Investment Committee oversees investment policy, strategy and security selection. We offer a wide range of strategies, from conservative to aggressive. The process begins with consultations to determine strategy based on the client’s financial goals, time horizon, and risk tolerance. We help clients identify, understand and commit to the appropriate long-term investment objectives.
Our investment process involves the use of strategic and tactical asset allocation methods. We select indices representing various market segments to construct model portfolios. This begins with long-term strategic asset allocation based on modern portfolio theory, which emphasizes diversification to reduce risk and improve portfolio performance. Tactical asset allocation is an active portfolio strategy that allows the Spectrum Investment Committee to adjust a client’s model portfolio exposure based on short or medium-term expectations for economic conditions, valuations and market cycles.
Investment Vehicle Selection
We believe that the evaluation and selection of the appropriate investment vehicles, which include ETFs and mutual funds, is vital to positive client outcomes. Therefore the Spectrum Investment Committee constantly evaluates the investment vehicles based on both quantitative and qualitative factors in search of the best fits for our clients’ portfolios.
The Spectrum Investment Committee understands that continuous, unbiased performance monitoring of portfolios also is essential to positive client outcomes. We adhere to a rigorous process for assessing how asset allocation strategies perform against objectives, replacing funds or managers as needed.