Home | Client Login | Privacy Policy

Services : Investment Advisory

Chart Source: Standard & Poor's Indices Versus Active Funds Scorecard, mid-year 2011. Index used for comparison: US Large Cap—S&P 500 Index; US Mid Cap—S&P MidCap 400 Index; US Small Cap—S&P SmallCap 600 Index; Global Funds—S&P Global 1200 Index; International—S&P 700 Index; International Small—S&P World ex. US SmallCap Index; Emerging Markets—S&P IFCI Composite. Data for the SPIVA study is from the CRSP Survivor-Bias-Free US Mutual Fund Database.

The investment management process includes the following steps:

  • Analyze Current Financial Position
    CedarPoint conducts a thorough analysis of the client’s current investment portfolio, financial goals, time horizons and risk tolerance, as well as any other unique circumstances that would require further personalization of the client’s strategy.
  • Developing and Design of Optimal Portfolio
    CedarPoint will recommend what it considers to be the optimal portfolio strategy based upon model portfolios. Each model is constructed using different weightings of equity, fixed income and alternative investments.
  • Formalize Investment Policy Statement
    When the appropriate model is agreed upon by the client and CedarPoint, a formal asset allocation summary will be provided.
  • Implement Policy and Portfolio
    CedarPoint will coordinate the brokerage and/or custodial relationship that are required to make this arrangement most effective for the client. CedarPoint will prepare and submit paperwork to open the account, and will initiate and monitor the transfer of all existing accounts that are to be brought under the management of CedarPoint. For custodial services, CedarPoint typically works with either TD AMERITRADE Institutional or Charles Schwab & Co., Inc. It is important to note that CedarPoint does not maintain custody of securities or funds with the exception of its ability to withdraw Advisory Fees from client's accounts.
  • Monitoring and Supervising Investments
    CedarPoint will monitor and supervise the individual components of each portfolio of the client. CedarPoint will prepare quarterly performance reports that document the performance.

CedarPoint's investment philosophy and core principles are what set us apart from our competition. The foundation of every portfolio we build for our clients begins with the following principles:

  • Markets Work
    Capital markets do a good job of fairly pricing all available information and investor expectations about publicly traded securities.
  • Diversification is Key
    Comprehensive, global asset allocation can neutralize the risks specific to individual securities.
  • Risk and Return are Related
    The compensation for taking on increased levels of risk is the potential to earn greater returns.
  • Portfolio Structure Explains Performance
    The asset classes that comprise a portfolio and the risk levels of those asset classes are responsible for most of the variability of portfolio returns.
  • Cost Really Do Matter
    Expense ratios, management fees, transaction costs, and taxes all factor in to your overall returns. CedarPoint works extremely hard at keeping these costs to a minimum, thereby allowing you to keep more money working for you.