INVESTMENT MANAGEMENT

Going Beyond Your Expectations.

Investment ManagementAt Central Trust Company, our wealth management professionals focus on aligning our investment experience with your goals and aspirations. We consider ourselves smart allocators across a broad group of asset classes. By including a broad range of asset classes, building allocations based on forward-looking market assumptions, utilizing industry-leading methods for portfolio construction, and leveraging many of the best investment management firms in the world, we can help clients meet their objectives with lower volatility. Additionally, we always act in your best interest, adhering to the “Fiduciary Standard.

Central Trust Company manages portfolios for individuals, trusts, IRAs, corporations, retirement plans, charitable organizations, endowments, foundations, etc. Our client accounts range in size from $500,000 to more than $100 million, and we always make sure you are given the attention, personal service and experienced management that you expect and deserve.

Investment ManagementAt Central Trust Company, our wealth management professionals focus on aligning our investment experience with your goals and aspirations. We consider ourselves smart allocators across a broad group of asset classes. By including a broad range of asset classes, building allocations based on forward-looking market assumptions, utilizing industry-leading methods for portfolio construction, and leveraging many of the best investment management firms in the world, we can help clients meet their objectives with lower volatility. Additionally, we always act in the best interest of our clients, adhering to the fiduciary standard.

Central Trust Company manages portfolios for individuals, trusts, IRAs, corporations, retirement plans, charitable organizations, endowments, foundations, etc. Our client accounts range in size from $500,000 to more than $100 million, and we always make sure you are given the attention, personal service and experienced management that you expect and deserve.

INVESTMENT CORE PRINCIPLES

Your goals and objectives are the most important part of building a customized investment plan. You need an investment professional that acts in your best interest and who, at all times, adheres to the “Fiduciary Standard.”  An advisor who listens to your concerns and has the experience and expertise to help you achieve your goals.

Our investment philosophy is grounded in the fact that the most important part of building a portfolio is through the discovery of your goals, objectives, time horizon and expectations. As such, we consider ourselves investment consultants and managers that can build customized solutions to meet a range of goals and expectations. As fiduciaries, we act as a consultant and advisor, not a sales person.

Our six-step consulting process

INVESTMENT CORE PRINCIPLES

Your goals and objectives are the most important part of building a customized investment plan. You want an investment professional who listens to your concerns and has the experience and expertise to help you achieve your goals. Our investment philosophy is grounded in the fact that the most important part of building a portfolio is through the discovery of your goals, objectives, time horizon and expectations. As such, we consider ourselves as investment consultants and managers that can build customized solutions to meet a range of goals and expectations. As fiduciaries, we act as a consultant and advisor, not a sales person, that customizes and creates solutions to meet a range of goals and expectations always in the best interest of the client.

OUR SIX-STEP CONSULTING PROCESS

1

Establish and define the relationship.
Determine the services offered by Central Trust Company and agree on the services to be provided.

Our Philosophy 1
1

Establish and define the relationship.
Determine the services offered by Central Trust Company and agree on the services to be provided.

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2

Collect your information.
Upon collecting sufficient quantitative and qualitative information, identify your personal and financial objectives, needs and priorities that are relevant to the scope of the engagement.

Our Philosophy 2
2

Collect your information.
Upon collecting sufficient quantitative and qualitative information, identify your personal and financial objectives, needs and priorities that are relevant to the scope of the engagement.

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3

Analyze and assess your financial status.
We analyze your information, subject to the scope of the engagement, to gain an understanding of your financial and tax situation. We assess the strengths and weaknesses of your current financial and investment plan and compare them to your objectives, needs and priorities.

Our Philosophy 3
3

Analyze and assess your financial status.
We analyze your information, subject to the scope of the engagement, to gain an understanding of your financial and tax situation. We assess the strengths and weaknesses of your current financial and investment plan and compare them to your objectives, needs and priorities.

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4

Develop and present the financial recommendations.
Consider one or more investment strategies relevant to your current situation that can meet your objectives, needs and priorities; develop the recommendations to meet your confirmed objectives, needs and priorities; and present the recommendations and the supporting rationale in a way that allows you to make an informed decision.

Our Philosophy 4
4

Develop and present the financial recommendations.
Consider one or more investment strategies relevant to your current situation that can meet your objectives, needs and priorities; develop the recommendations to meet your confirmed objectives, needs and priorities; and present the recommendations and the supporting rationale in a way that allows you to make an informed decision.

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5

Implement your financial and investment plan recommendations.
Agree on implementation responsibilities that are consistent with the scope of the engagement, your acceptance of the recommendations, and the ability to implement the recommendations.

Our Philosophy 5
5

Implement your financial and investment plan recommendations.
Agree on implementation responsibilities that are consistent with the scope of the engagement, your acceptance of the recommendations, and the ability to implement the recommendations.

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6

Review your plan.
Define and agree upon terms for reviewing and reevaluating your plan, including goals, risk profile, lifestyle and other relevant changes. We will meet with you on a predetermined basis, at a frequency that is most convenient for you.

Our Philosophy 6
6

Review your plan.
Define and agree upon terms for reviewing and reevaluating your plan, including goals, risk profile, lifestyle and other relevant changes. We will meet with you on a predetermined basis, at a frequency that is most convenient for you.

Our Philosophy 6 Mobile
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OUR INVESTMENT APPROACH

We seek to provide value by combining independent strategies into a cohesive wealth management approach.

  • Fiduciary Considerations — Avoid conflicts of interest and always act in our client’s best interest.
  • Asset Allocation — We believe in diversifying across asset classes and employing a global perspective.
  • Portfolio Construction — We believe in the concepts of core and satellite investing. We use various strategies in efficient and less-efficient markets, balancing the cost of the investment vehicle with the opportunity to add value versus a given benchmark.
  • Security Research & Selection — We believe in seeking investment solutions that employ investment processes with diversified opportunities to add value (alpha), in an effort to provide the best long-term results with consistency. This results in recommendations that can include active management and/or passive indexing approaches, which can include separately managed accounts with individual securities, mutual funds, exchange traded funds (ETFs), etc.
  • Tax Management — We believe in using effective tax management strategies for taxable clients, when possible. Taxes can be a significant drain on investment performance. We prefer separately managed accounts where appropriate. Tax management also applies to institutional clients that need to maintain their tax-exempt status.
  • Rebalance Management — We rebalance client portfolios in a tax efficient manner to keep the portfolio in line with original risk and return parameters.
  • Overlay Management — We believe in applying the best possible technology to manage and rebalance client portfolios relative to their return expectations, risk tolerances and restrictions, while adhering to tax sensitivity, if applicable.

OUR INVESTMENT APPROACH

We seek to provide value by combining independent strategies into a cohesive wealth management approach.

  • Fiduciary Considerations — Avoid conflicts of interest and always act in our client’s best interest.
  • Asset Allocation — We believe in diversifying across asset classes and employing a global perspective.
  • Portfolio Construction — We believe in the concepts of core and satellite investing. We use various strategies in efficient and less-efficient markets, balancing the cost of the investment vehicle with the opportunity to add value versus a given benchmark.
  • Security Research & Selection — We believe in seeking investment solutions that employ investment processes with diversified opportunities to add value (alpha), in an effort to provide the best long-term results with consistency. This results in recommendations that can include active management and/or passive indexing approaches, which can include separately managed accounts with individual securities, mutual funds, exchange traded funds (ETFs), etc.
  • Tax Management — We believe in using effective tax management strategies for taxable clients, when possible. Taxes can be a significant drain on investment performance. We prefer separately managed accounts where appropriate. Tax management also applies to institutional clients that need to maintain their tax-exempt status.
  • Rebalance Management — We rebalance client portfolios in a tax efficient manner to keep the portfolio in line with original risk and return parameters.
  • Overlay Management — We believe in applying the best possible technology to manage and rebalance client portfolios relative to their return expectations, risk tolerances and restrictions, while adhering to tax sensitivity, if applicable.

Second Opinion Service

When is the last time you asked if your current wealth management and investment plan is really meeting your needs?

If you have investable assets of $500,000 or more, you qualify for Central Trust Company’s complimentary, no obligation Second Opinion Service which takes a holistic look at your financial goals and all of the individual pieces that make up your financial journey.

SOS
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