Investment Management

A personalized Investment Management account can be weighted to produce income or growth—or may take a balanced approach. Our selections are always carefully diversified to minimize the effect of a sharp decline in any market.

Sovereign can assume full responsibility for carrying out your plan, or you can rely on us simply for advice. In either case, an Investment Management account assures you that:

• Your portfolio is actively monitored. All portfolios are regularly reviewed to ensure that objectives are being met.
• You no longer have to worry about collecting and reinvesting income, dealing with sales or maturities, or handling daily and year-end accounting.
• Investment opportunities are located that meet your unique needs, from long-term growth to high-income potential.
  

Investment Philosophy
Prudent
We focus our attention on investment-grade securities and employ a portfolio-management process. We strive to manage risk, minimize volatility, and provide returns year after year.

Disciplined
By employing a predetermined set of decision rules governing both our buy and sell recommendations, we bring an established discipline to the investment process.

Client-Centered
Asset allocation and security selection are based on the individual goals and objectives of the client. Through discussions, the objectives, income needs, risk tolerance, and tax situation of each client are reviewed.

Asset Allocation
How to proportion investment funds among the various investment alternatives available is one of the most important investment decisions to be made. The primary factors that impact the asset allocation decision are:

• Client Objectives—we will gain a clear understanding of tax bracket, income needs, liquidity needs, risk tolerance, and time horizon.
• Asset Categories—we will discuss all risk/reward characteristics when selecting and evaluating asset classes.
• Current Economic and Market Environment—the current economic environment will be thoroughly reviewed. There are times during market and economic cycles when the expected returns of certain asset categories look more attractive than others.

Financial Planning
We will meet with you to discuss your needs, your investment approaches, your tax situation, and your family. We will then devise a personal financial plan well suited to your unique personal situation.