Investment Management Services

We believe that minimizing investment expenses is paramount to building wealth.

Skyline Advisors provides investment management services where your goals and investment portfolio are matched in a collaborative effort between advisor and client. We meet with you to discover your investment and asset management goals, investment time horizon, risk tolerance and existing financial resources. We work with you to establish or transfer your investment accounts. An Investment Strategy is developed and mutually agreed on and implemented.

Work with an Accredited Investment Fiduciary® (AIF®) who has the education and qualifications that demonstrate a commitment to acting in the best interests of our clients. Skyline Advisors works as a Team on behalf of our clients, building long term relationships based on Honesty, Integrity and Trust.

Skyline Advisors has selected Charles Schwab & Co., Inc. as primary custodian for our clients’ accounts.

common questions we can help answer
  • Should I roll out of my 401k?
  • What retirement plan should I consider for my business?
  • Should I invest in a Traditional or Roth IRA?
  • Should I consider a Roth Conversion?
  • What can I do with my employer stock?
  • Should I keep my annuity?
  • What is a share class?
  • Should I own ETFs?
  • What investment expenses am I paying?
  • What should I do with my bonds when interest rates rise?
  • Which accounts do I take withdrawals from and in what order?
  • Do my investments make sense considering my goals and objectives?
  • How do I simplify my complicated financial accounts?
PLANNING FOR RETIREMENT?

When you left your old job, did you leave your retirement account behind? We will take an objective look at your company retirement plan account and determine if a rollover is right for you. As part of our wealth investment management solutions, we will look at investment options, expenses, taxes and withdrawal options to make sure your retirement plan is optimized for you.

“In real terms, an experienced Financial Advisor can offer the strategic planning, discipline, and monitoring that can add up to an additional three percentage points of net return to your portfolio”

–Putting a value on your value: Quantifying Vanguard Advisor’s Alpha™, March 2014

INVESTMENT PROCESS:

Start with a Goal.  It could be retirement, or buying a home or starting a business. Your goals are unique and individual to you. We match your goals to your investments and help you define your objectives, your time horizon and tolerance for risk.

Have a Plan. We build a portfolio with broad diversification among multiple asset classes. We consider your goals and constraints, market and economic news, asset valuations, taxes, fees and expenses and portfolio risk. We do not predict the future and don’t believe frequent trading or trendy strategies are advisable. We select the investments for your portfolio — these can include stocks, bonds, mutual funds, exchange traded funds and other securities.

Monitor and Communicate. We monitor your individual investments, their performance and risk characteristics and make changes as appropriate as part of our investment portfolio management. We rebalance your portfolio to bring your allocation back in line with the target. Communication is key. We meet with you and report back to you your results. Transparency and clarity are hallmarks of our fiduciary duty to our clients.

PORTFOLIO PRINCIPLES:

Academic Research. This provides the foundation for the investment decisions we make. A pragmatic and thoughtful approach requires a touchstone. We lean on the academic research of others to form the framework of our portfolios.

Active and Passive Strategies. An Active strategy involves an investment manager who picks the individual investments in the fund in order to outperform their benchmark. A Passive or Index strategy simply mimics the benchmark. We often use both in portfolios.

Rebalancing. The primary goal of rebalancing is to minimize risk relative to a target asset allocation, rather than maximize returns. Over time, asset classes produce different returns that can change the portfolio’s asset allocation. Rebalancing helps capture the target allocation’s original risk-return characteristics.

Income. Our portfolios prioritize income generation within the context of the portfolio’s objectives. Income are the dividends and interest generated by your investments. Income can help mitigate loss and can be reinvested back into the portfolio or distributed to the account holder.

Minimize Investment Expenses. This is key to our Investment Philosophy. Our financial investment advisors are transparent and believe that you should know what expenses you are paying. Not only to us, but also internally within the portfolio. We look at each individual investment and consider the operating costs, also known as the Expense Ratio. We want to minimize the investment expenses because it reduces the total portfolio rate of return and is often a good predictor of bad future performance.

Charles Schwab & Co., Inc.

Charles Schwab & Co., Inc. (“Schwab”) has more than 20 years of experience serving independent advisors. Schwab was a pioneer in the business of exclusively serving independent, fee-based investment advisors and their clients.
By using Schwab as primary custodian, Skyline Advisors has access to a wide range of products and services that help us serve our clients, including:
Full range of investment products and trading services.
Technology and service support.
Wide array of investment account types including retirement accounts, charitable giving, and education accounts.
Full range of investment options such as stocks, mutual funds, bonds, exchange traded funds, CDs and other investments.
Separately managed account services for those who want to leverage the expertise of institutional-caliber money managers who specialize in particular investment styles.
Technology and service support so investors can access all their accounts online and view positions, balances and account histories in one place.