Our Wealth Management Philosophy

Investors nationwide are developing new wealth management relationships in their search for personalized advisory services and enhanced investment performance. With the ever-accelerating pace of change in the global markets and a sea of investment alternatives, many investors feel rather overwhelmed at the task of selecting and managing their investments. Unless you have a lot of time, plus access to sophisticated research and a reasonable amount of financial savvy, it is likely that you could benefit from the services of an expert.

TriCapital Advisors is dedicated to delivering those key requirements for investment success, and much more, to each of our clients. To manage your investments, we draw upon the resources of our team of experts, independent investment specialists and some of the industry’s most talented money managers. The result is a class of fee-based, institutional-quality investment management rarely available to most individual investors.

Studies show that about ninety percent of portfolio performance is determined by the asset allocation decision—the diversification of funds across various asset classes to meet a target level of return at an acceptable level of risk. Given the importance of the asset allocation decision, we consider it to be the foundation of our investment process.

We employ a wealth management strategy known as “Dynamic Asset Allocation”, through which we combine long-term “core” holdings with shorter-term “tactical” holdings. We do not use market-timing strategies; however, we do rebalance and adjust our client portfolios periodically in order to maintain proper diversification and to remain proactive regarding anticipated future market conditions.

Our Commitment

Dedicated to enhancing our clients’ financial security and committed to excellence at all levels of the investment process, we provide personalized portfolio management and ongoing, comprehensive financial advisory services on a fee-only basis.

We believe that investment success is maximized when investors and their advisors communicate effectively. With this ideal in mind, we are better equipped to meet your investment objectives and provide superior service.

Before You Invest

Before we chart your financial future, we take an in-depth, detailed look at where you stand today. We help you assess all key criteria, including your goals, time horizon, resources, need for liquidity, desired rate of return and tolerance for risk. This serves as the first step in developing an asset allocation strategy that is truly appropriate for you.

Once we establish your personal asset allocation strategy, we are well positioned to implement your plan. To invest your assets, we select from the funds in our model portfolios, constructing a portfolio that is customized to your specific risk/return profile and overall objectives. In addition, we may also provide access to institutional portfolio managers to individually manage your account.

Coordinating All Aspects of Your Wealth

At the heart of the TriCapital Advisor relationship is your personal financial wealth consultant; providing counsel on all of your assets, wherever held. By looking at each aspect of your wealth in relation to the others, we help maximize all of your wealth-producing potential. In addition to providing investment expertise in all areas of asset management, TriCapital provides professional and consulting services in the areas of:

• Life Planning – Retirement Analysis, College Funding, Tax Planning, Estates, Trusts and Foundations
• Insurance Planning – Life, Health, Disability and Long-Term Care
• Tax–Deferred Wealth Building Programs
• IRA and Retirement Plan Rollovers
• Qualified Retirement Plans

Account Custody and Insurance

Our client accounts are held at Fidelity Investments Institutional Brokerage Group (FIIBG), through which we derive an unsurpassed level of institutional quality services to define and execute your investment strategy. To keep you informed, confident and in control, we provide an extensive reporting system. You receive monthly statements, quarterly performance reports and year-end tax reports, all of which are clear and highly informative.

All securities in accounts carried by FIIBG have coverage of up to $500,000 (limited to $100,000 for claims in cash) from the Securities Investor Protection Corporation (SIPC) and additional unlimited securities protection, in excess of SIPC coverage, through private insurance coverage provided by Fidelity.

Cash Management

Our Cash Management Account combines a full-service investment account with a comprehensive cash management program, all with no annual fee. Features include unlimited check writing, a Visa debit/ATM Card, loans, cost basis and gain/loss information, street-name dividend reinvestment, electronic deposits/payments, direct access to information via telephone or the internet.

Getting Started

The first step is to complete our Confidential Client Profile. The data you provide helps us to develop your risk/return profile and your personal investment strategy. This will enable us to mobilize all of our resources on your behalf.

Like most serious investors, you probably have some specific questions about how you will benefit from our program and how we can serve you best. We would appreciate the opportunity to meet with you and answer all of your questions. Just call us to schedule an appointment at your convenience.