Research
SMS thoroughly screens,
analyzes, and researches the universe of mutual
funds and fund managers to identify those with outstanding long-term track
records
according to a defined investment style. Besides a disciplined, proven management
style, SMS also considers many other quantitative and qualitative factors
when
determining the most appropriate fund manager(s) for each client's portfolio.
Monitoring
Client portfolios
and fund managers are continually monitored by SMS for
deviations from targeted objectives or other changes that might expose
clients to unanticipated risks. A fund manager's investment style, risk
tolerance, fee ratios, and tax efficiency are a few of the key factors that
might change the dynamics of a fund's expected performance.
Allocation
Management
SMS does not practice active market-timing strategies with regard to being
either totally "in the market" or "out of the market."
Rather, SMS strategically
allocates and rebalances client portfolios both within and across core and
supporting asset classes in accordance with each client's investment objectives
and SMS' fundamental view of each asset class's expected risk-adjusted return.
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Investment
Management & Financial Advisory Services
As a fee-based firm, SMS
provides its advisory and investment management services for a percentage
of a client's assets under management. In certain cases where a client does
not request on-going management, SMS may provide investment management services
on an hourly fee basis.
SMS will provide an initial complimentary consultation.
The following sliding
scale applies to client assets under SMS management. Fees are quoted on an
annual basis but are billed at the beginning of each quarter in accordance
with the following schedule:
- 1.25% on balances up
to $250,000
- 1.00% on balances from
$250,000 to $1.5 million
- 0.75% on balances over
$1.5 million
Other fee arrangements
may be applicable on a case-by-case basis.
- Strict non-disclosure
policy as to client's identity and financial information
- Absolute independence
and objectivity
- Personalized service
through client interaction and regular reporting, depending on clients'
needs
- Extensive, continuous
research to evaluate and determine the most appropriate and effective investment
vehicles for client
SMS has a thorough and disciplined
approach to providing investment management
and financial advisory services.
Customization
SMS believes that there is no "one-size-fits-all" investment strategy
that should be
applied to all investors. Rather, an investment strategy should be tailored
to reflect
each investor's goals and objectives and be consistent with defined financial
constraints
including investment time horizon, liquidity and income requirements, tax
status,
and any other unique circumstances. SMS works closely with its clients to
develop
an appropriate investment policy and strategy given each investor's respective
objectives and constraints.
Diversification
SMS advocates diversifying portfolios across multiple asset classes and investing
styles. Further, SMS' "Index Plus" approach utilizes a combination
of index-oriented funds, select actively managed funds, and in some cases,
individual securities to build clients'
portfolios. While no-load, index funds provide a low cost, tax efficient means
of
investing in the broader markets, certain actively managed funds can enhance
the potential for above market returns at a desired level of risk.
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SMS Capital Management, LLC ("SMS") is dedicated to providing investment
management and
financial advisory services to investors seeking to preserve and build long-term
wealth. Investors benefiting from the firm's services include individuals, as
well as fiduciaries and trustees of
pension plans, endowments, trusts, estates, and corporations. SMS is a Registered
Investment Adviser.
SMS distinguishes itself
with its:
Independence
As a fee-based investment management firm, SMS maintains its objectivity
and independence, always putting the client's needs first.
Service
All clients receive
highly personalized service, regardless of the size of the account.
SMS communicates with its clients on an ongoing basis and provides useful
account statements and customized reporting.
Performance
Client portfolios
are constructed, managed and monitored by experienced investment professionals
to achieve each client's stated, long-term investment goals and objectives.
Integrity
SMS is committed
to conducting its affairs with the
highest level of ethical and professional standards.
