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Allocating assets in your client's portfolio.

 

For every portfolio, we create a personal performance benchmark.

 

Your client’s portfolio is designed based on extensive efforts to understand and define individual investment goals and risk tolerances. Then we create an investment policy statement that captures the client's investment goals and objectives as a personal benchmark and reflects the approach the portfolio manager will undertake to manage the portfolio. The benchmark allows us to measure portfolio performance and adjust investment allocations to suit your client’s needs.

We can make tactical shifts in your client portfolio’s asset mix in response to market movements or changes in the economic environment—an opportunistic approach that can help improve your client’s returns and help manage risk.

We focus on how earnings, inflation, monetary policy, and global economic factors impact the investments owned by your client. We then use this knowledge to achieve our primary goal of managing macro-level risks, positioning your client’s portfolio at the appropriate level of exposure to specific asset classes.

A dynamic approach to asset allocation.

Our asset allocation framework focuses on how global economic factors impact the investments owned by our clients.

Tax-efficient portfolio management

Our personalized approach to a tax-efficient asset allocation strategy starts when we tailor your client’s portfolio to reflect his or her investment objective, risk tolerance, and time horizon while aiming to maximize after-tax returns.

  • Conduct a tax analysis on existing assets
  • Discuss and develop a tax budget
  • Map out a multi-stage transition plan
  • Coordinate ongoing tax-loss harvesting
  • Reassess at year end

To actively manage a client's tax budget, we:

  1. Build a custom portfolio to fit the needs and tax circumstances of each client
  2. Pursue a strategy of buying fundamentally sound companies and holding them for longer than one year
  3. Focus on realizing long-term capital gains in the client portfolio
  4. Seek to avoid selling investments toward the end of a calendar year, and where possible, strive to reduce the tax consequence by selling underperforming investments
  5. Help clients effectively manage taxes and monitor after-tax returns by providing them regular reporting

DISCLOSURES

 

Asset Allocation

An asset allocation program cannot guarantee profits and loss of principle is possible. Past performance is not a guarantee of future results.

 

Tax-sensitive portfolio management

The information presented does not involve the rendering of personalized investment, financial, legal or tax advice. This presentation is not an offer to buy or sell, or a solicitation of any offer to buy or sell any of the securities mentioned herein.

 

The effectiveness of the strategy presented in this document will depend on the unique characteristics of your situation and on a number of complex factors. Rules in the areas of law, tax, and accounting are subject to change and open to varying interpretations. You should consult with your other advisors on the tax, accounting, and legal implications based on your particular circumstances.

 

City National Bank provides investment management services in conjunction with City National Rochdale, its wholly-owned subsidiary.

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