Investment Management

Our investment management philosophy begins with the careful construction of the investor profile whereby we assess an individual’s tolerance for risk, his/her time horizon for investing, and the investment goals an individual maintains. Before we set out on building a portfolio, it is paramount to calculate an individual’s willingness to accept the risks of the market alongside their ability to do so given their current situation.  From this profile we design a tactical asset allocation strategy that fits the individual’s situation.  Thru the use of a variety of market instruments and leveraging many different asset classes, we develop a diversified portfolio that is tailored to meet an individual’s investment goals and is designed to weather the volatility of the market.

Financial Instruments used in Asset Allocation:

  • No Load Mutual Funds
  • Exchange Traded Funds (ETF’s)
  • Index Funds
  • Common Stock
  • Preferred Stock
  • Real Estate Investment Trusts (REITs)
  • Individual Bonds
    • US Treasury Securities
    • Corporate Bonds
    • Tax Free Municipal Bonds

Asset Classes Addressed in Asset Allocation Design:

  • Large Cap Equity
  • Mid Cap Equity
  • Small Cap Equity
  • Developed International Equity
  • Emerging Markets International Equity
  • Specialty & Sector Strategies
  • Alternative Strategies
  • Fixed Income
  • Cash & Cash Alternatives

Asset Allocation:

A proper asset allocation starts with the accurate development of a client investor profile.  This process includes identifying the time horizon for investment, identification of a client’s risk tolerance, and creation of investment goals and objectives.   Each person has a different timeline for need of investable assets, individual financial goals and objectives, and a unique threshold when it comes to accepting the risk of the market.  Identifying each of these aspects is paramount before an appropriate portfolio can be constructed.  Next, assets are properly allocated into a carefully selected model that captures each sector of the market.  This diversified model encapsulates US equities (small-cap, mid-cap and large cap), international equities (emerging and developed), fixed income (US treasury bonds, international bonds, corporate bonds, municipal bonds, etc.), alternative investments, and specialty sector markets (Real Estate, Biotech, Technology etc.).  This diversified model is set to match the appropriate level of risk and is designed to maximize return in a bull market and limit downside risk in a bear market. A diversified portfolio is designed to successfully navigate the ups and downs of the market, and is intended to produce a stable return over the long run.

Securities and investment advisory services are offered through Montz Harcus Wealth Management, LLC (MHWM) with securities cleared through Charles Schwab & Co, Inc. Securities also offered through Purshe Kaplan Sterling Investments, member FINRA/SIPC, headquartered at 80 State St., Albany, NY 12207. Tax and Insurance services provided by Physicians Resource Group. Purshe Kaplan Sterling Investments is not affiliated with Montz Harcus Wealth Management or Physicians Resource Group.

Charles Schwab & Co, Inc. is one of the firms that we use to custody our client assets. Charles Schwab & Co, Inc., Montz Harcus Wealth Management, and the other entities named are separate and unaffiliated firms, and are not responsible for each other’s services or policies. Charles Schwab & Co, Inc. does not endorse or recommend any advisor and the use of the Charles Schwab & Co, Inc. logo does not represent the endorsement or recommendation of any advisor. Brokerage services provided by Charles Schwab & Co, Inc., member FINRA/SIPC.

MHWM and PRG are affiliated companies. Additional products and services may be available through Physicians Resource Group that are not offered through MHWM or PKS. This is not an offer of securities in any jurisdiction, nor is it specifically directed to a resident of any jurisdiction. As with any security, request a prospectus from your Registered Representative. Read it carefully before you invest or send money. Visit disclosure page.

Montz Harcus Wealth Management LLC (“MHWM”) is a registered investment adviser registered with the Securities and Exchange Commission (“SEC”) and notice filed in the states where the Adviser either has an office or the de minimis number of clients. No information contained in this website has been approved or verified by the United States Securities and Exchange Commission or by any state securities authority. Registration as a registered investment adviser does not imply a certain level of skill or training.