Our Investment Process for physicians, IndividuaLS AND fAMi
Information Sharing
Investment Implementation
Research & Risk Review
Thrift shares detailed information on our firm's organizational structure, investment philosophy, and investment process.
We also seek to understand prospective clients' financial landscape, personal and financial goals, and possible estate interests.
Research & Risk Review
Investment Implementation
Research & Risk Review
Thrift Financial reviews the financial inventory of client portfolios and their investment risk tolerances. We prepare a financial roadmap that assesses current and proposed investments, personal investment preferences, goals, and tax considerations.
Investment Implementation
Investment Implementation
Investment Implementation
As an investment fiduciary, Thrift aims to create a well-diversified investment portfolio that aligns our clients' investment goals, personal interests, tax considerations, and risk tolerances. We evaluate investments based on quality, turnover, costs, and absolute and relative returns over at least a 5-10 year time frame.
investment Philosophy
As fiduciaries, Thrift Financial performs extensive research on individual securities, separate account managers, active and passively managed exchange-traded funds, and mutual fund and alternative investments.
We believe individual securities are the building blocks of any client portfolio and acknowledge the more significant importance of building and maintaining the proper investment allocation and diversification across and within investible asset classes.
At the foundation of Thrift's investment philosophy is our commitment to understanding the client's complete financial landscape. Thrift also aims to understand each client's unique risk tolerances and construct portfolios within those personal tolerances, which may be, at times, a counterweight to other goals in investing.
Thrift recognizes that investment costs and advisory fees drag realized investor returns. As a result, we are focused on carefully managing the cost of investing for each client. Our investment research evaluates the cost of each investment to its returns and comparable investment options. Thrift commitment to minimizing client costs is partially demonstrated in the firm's advisory fees being approximately 1/2 to 1/3 lower than industry averages, depending on assets investment, and supported in the AdvisoryHQ.com fee report for 2021.
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