OUR SOLUTIONS > PORTFOLIO MANAGEMENT
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Plans designed for every type of investor.
Optimized, completely customizable portfolios for today's market.
To best serve your unique financial goals, we organize our portfolio management strategies into 3 distinct groups, each designed to align with your preferences and aspirations.
ClearFP® EDGE™
For the thoughtful investor, focused on steady growth and long-term stability.
MPT
ClearFP® EDGE™
We employ Modern Portfolio Theory (MPT) to assess and construct a diversified asset allocation that aligns with your unique financial goals.
MPT enables us to evaluate how different investments interact with each other, reducing risk while enhancing potential returns.
Buy & Hold
ClearFP® EDGE™
Rather than reacting to short-term market fluctuations, we aim to hold investments that fit your strategy, adjusting only when necessary to maintain balance and optimize risk-return profiles.
What is Modern Portfolio Theory? (MPT)
Modern Portfolio Theory (MPT) is an investment theory developed by Harry Markowitz in the 1950s. It emphasizes the importance of diversification in an investment portfolio to maximize returns for a given level of risk, or equivalently, to minimize risk for a given level of expected return.
The key principles of Modern Portfolio Theory are:
- Diversification: By combining different assets, an investor can reduce the overall risk of the portfolio. The idea is that different assets (such as stocks, bonds, and other securities) do not all move in the same direction at the same time, so spreading investments across a variety of asset classes helps smooth out potential losses.
- Risk and Return: MPT assumes that investors are rational and risk-averse. They aim to maximize expected returns while minimizing risk. Risk is typically measured by the standard deviation (volatility) of returns, while return is measured by the average or expected return.
- Efficient Frontier: The efficient frontier is a graphical representation of the optimal portfolios that offer the best possible expected return for a given level of risk. Portfolios located on the efficient frontier are considered “efficient,” as they provide the highest return for a given risk level.
- Capital Market Line (CML): The CML represents the combination of a risk-free asset (such as government bonds) and a portfolio of risky assets. The slope of the CML represents the best trade-off between risk and return available to an investor.
- Correlation and Covariance: MPT also looks at how the returns of different assets move in relation to each other. If assets are negatively correlated, their prices tend to move in opposite directions, which helps reduce overall portfolio risk.
MPT has been a foundational concept in finance and investment management, influencing the development of many investment strategies and portfolio management techniques. However, it also has limitations, such as assumptions about market efficiency, investor behavior, and asset returns that may not always hold in real-world markets.
WHY ClearFP® EDGE™?
Evidence-Based Investment Strategy
Long-Term Focus with Buy & Hold Strategy
Reduced Risk Through Diversification
Expert Guidance & Ongoing Monitoring
Consistent Rebalancing for Optimal Performance
Clear, Transparent Communication
Proven Track Record of Success
ClearFP® ALPHA™
For the proactive investor, seeking dynamic opportunities and optimized returns.
Security Selection
ClearFP® ALPHA™
Market Timing
ClearFP® ALPHA™
By staying ahead of market movements, we can capitalize on opportunities and mitigate risk, ensuring your portfolio is always aligned with the latest market conditions and your long-term financial goals.
WHY ClearFP® ALPHA™?
ClearFP® ALPHA™ takes a more dynamic and hands-on approach to portfolio management by leveraging the expertise of top industry money managers. With a focus on precise security selection, we carefully analyze and choose investments that align with your financial goals while actively monitoring market conditions. This allows us to adjust your portfolio’s asset allocation and timing to capitalize on opportunities and mitigate risk in real time. By staying ahead of market trends and making proactive adjustments, ClearFP® ALPHA™ aims to enhance returns while minimizing volatility, ensuring that your portfolio is optimized for both growth and stability in ever-changing market environments.
Expert Collaboration with Industry Leaders
Enhanced Security Selection
Precision Asset Allocation
Proactive Market Timing
Data-Driven Decision Making
Focus on Maximizing Returns
ClearFP® IMPACT™
For the investor who values both profit and purpose.
SRI
ClearFP® IMPACT™
For clients who want their investments to reflect their values, we offer a socially responsible investing (SRI) approach that prioritizes environmental, social, and governance (ESG) factors, carefully selecting investments that contribute to positive social and environmental outcomes, all while aiming for strong financial returns.
Impactful Growth
ClearFP® IMPACT™
This tier ensures that every dollar in your portfolio is working towards a better future. We focus on investments that drive sustainable growth and social change.
By combining financial performance with purpose-driven investing, we help you achieve your goals while contributing to a more sustainable world.
WHY ClearFP® IMPACT™?
Align Investments with Your Values
Positive Social and Environmental Impact
Ethical Investment Strategy
Sustainable Long-Term Growth
Rigorous ESG Screening
Customized Socially Responsible Portfolio
Transparency and Accountability
Empowering You to Make a Difference
Find your perfect portfolio strategy
Learn more about how ClearFP® EDGE™, ClearFP® ALPHA™, and ClearFP® IMPACT™ can help you build a portfolio aligned with your goals, values, and risk tolerance.
Explore more solutions:
Planning ahead with life insurance is a smart way to ensure your loved ones are cared for when you're no longer around.
Variable annuities give you the flexibility to allocate your funds across a variety of investment options, which may help grow your assets on a tax-deferred basis.
Fixed index annuities provide the opportunity to grow your funds based on the performance of a market index while offering protection against market downturns.
*A diversified portfolio does not assure a profit or protect against loss in a declining market.