The Ackerman DifferenceInvestment Process

THE MANAGEMENT OF YOUR WEALTH AS A CONTINUOUS & EVOLVING PROCESS

Client Focused Discussion

CLIENT FOCUSED DISCUSSIONS

Our client relationships begin with a series of discussions to holistically review a client’s unique wealth management needs and objectives.  Wealth planning may cover topics such as tax and estate planning, legal structures, and investment management.  Investment discussions focus on short and long-term objectives, risk tolerance, time horizon, income needs, tax implications and other information related to specific portfolio management requirements. This information is used in developing an Investment Policy Statement (IPS), which sets the parameters by which a portfolio is managed and provides long-term guidance for informed decision-making.

Asset Allocation

ASSET ALLOCATION MODEL

Based on each client’s Investment Policy Statement (IPS), the optimal ACM managed account offering with the appropriate asset allocation parameters is selected.  ACM offers clients diversified portfolios across the risk spectrum with exposure to equities, fixed income, inflation-sensitive assets, and alternatives.  Because the alignment of our portfolios with clients’ risk tolerances is paramount, our offerings are, first and foremost, designed to limit downside risk to specified levels.

Investment Selection

LOW-COST MUTUAL FUNDS & EXCHANGE-TRADED FUNDS

ACM selects investments from a broad universe of low-cost, tax-efficient ETFs and mutual funds. The funds we utilize provide optimal diversification by targeting the specific academic risk factors within each asset class that are the primary, empirical drivers of investment returns.

Asset Allocation

CLIENT REPORTING & COMMUNICATION

Transparent and informative portfolio reporting with consistent client communication are critical elements of the ACM wealth management process. In addition to ongoing dialogue, we proactively schedule in-person meetings and portfolio reviews on a regular basis.  Clients also receive monthly statements, customizable portfolio reports, insightful investment commentaries, and on-demand access to real-time portfolio data through the ACM client portal.

ACTIVE INVESTMENT MANAGEMENT

ONGOING PORTFOLIO MANAGEMENT

Wealth management is a continuous process at ACM. We advise clients on evolving wealth planning needs and actively manage their portfolios with regard to asset allocation and Investment selection. Utilizing our proprietary investment models, this tactical approach seeks to both enhance returns and moderate downside risk. Tax-managed accounts receive the additional benefit of ACM’s disciplined, year-round tax-loss harvesting (TLH) program that seeks to maximize the tax-efficiency of our clients’ investment gains.