Broker Check

Perennial Wealth

Strategies Built For You, To Withstand the Test of Time 

Our first priority is you. Like our name Perennial, we strive to construct, implement and monitor wealth strategies that can withstand the test of time. 

By adhering to the following strategy and investment philosophy, we believe we can help our clients strive to achieve their long-term financial goals and objectives, while maintaining an investment strategy that aligns with their risk tolerance and time horizon. 

Step 1 – Financial Planning, Estate Planning, Insurance Consulting and Investment Strategy Recommendation

We begin by assessing your complete financial situation. We will review your current investment strategies, estate plan including insurance (life and long term care plans) and other legacy strategies to better understand you and your needs. Upon completion of our Financial Plan and ascertaining your Risk Tolerance Number, a specific investment and estate planning strategy will be recommended to you. The investment strategies will range in objective from accumulation, distribution, tax sensitive and/or socially responsible investing with varying degrees of risk aligned with your specific risk tolerance, goals and objectives.  We will review the recommended strategy with you to ensure you fully understand and are comfortable with it.

Step 2 - Asset Allocation

Each investment strategy has a tactical and strategic target allocation to each major asset class as recommended by our firms Investment Committee and stress tested through BlackRock’s Aladdin software. The Investment Committee meets quarterly to adjust the strategies as market conditions change and opportunities and/or risks present themselves. Depending on your comfort level with each asset class and allocation, we may make slight adjustments to the allocation percentages to even better align your long-term goals with your risk tolerance.

Step 3 - Manager Search and Selection

Our Team along with our analysts and Investment Committee search the entire investment universe to identify the best combination of Active Mutual Funds and lower cost Exchange Traded Funds (ETFs) to use in each recommended asset class.  Our process is starts by:

  • Identifying the best performing Mutual Funds and ETF’s within their category over the past 3, 5 and 10 years. While past performance may not be indicative of future results, we do seek an indication of longer-term consistency.
  • Once we identify the top 3-5 options in each category, we then look at their relative risk-adjusted returns (Sharpe and Sortino Ratio’s).
  • We then examine at the level of volatility (standard deviation) amongst their peer group.
  • We then examine at the expense ratio to ensure the performance and risk is worth the expense the Mutual Fund or ETF costs.
  • We then utilize Fi360 to ascertain a Fiduciary Score on each investment and review quarterly for ongoing monitoring.

It is important to note that there may be reasons when and why we select strategies that might not be at the top of each of the screens we run. Such reasons may be valuations, tax consequences, opportunistic positioning, etc.

Step 4 - Ongoing review and sell discipline

We monitor our portfolios and the underlying Mutual Funds/ETF’s on an ongoing basis. At least once a quarter we will do a full review of each strategy and Mutual Fund/ETF to ensure it is performing as expected. If an underlying Mutual Fund or ETF is lagging, fallen out of favor or has had a Portfolio Manager Change, we will place them on the watch list for one quarter if not seek to replace them immediately.

Step 5 - Client Involvement

Global Markets are not always rational and thus we cannot guarantee performance. What we can guarantee is that we will work closely with you, your family and/or your business to ensure we understand your short term and long-term goals and objectives. We will meet with or speak with you on a regular basis and as often as you would like to ensure you are comfortable with the plan and strategy we have implemented. It is our mission and responsibility to manage your expectations and help you strive to achieve all you would like and need to with your hard-earned wealth you have entrusted to our Team.