Investment Philosophy

Our investment philosophy is to have the client’s portfolio customized to their particular needs. We do this by building portfolios with different types of investments from Separate Managed Account, Mutual Funds, Exchange Traded Funds (ETFs) and UMAs.

By utilizing these different types of products, we can build portfolio(s) around the client’s tax parameters and offering social exclusions to meet their social conscience needs.

We start the process by asking questions and gathering important documentation regarding goals, risk tolerance and past experiences the client had in the market. Once we determine the client’s goals and risk tolerance, we start our process of developing a proposal for their portfolio.

Our investment philosophy focuses on asset allocation and choosing the right managers for the portfolio. Once we have the asset allocation determined we choose managers which historically has a good ratio of not capturing as much as the losses compared to their peers while still capturing the upside of the market. We utilize looking at the managers sharpe ratio and maximum drawdowns.

Portfolio Construction

Based on the account type, size and goals we utilize the following types of investments.
  • Separately Managed Accounts (SMA)
  • Exchange Traded Funds (ETFs)
  • Mutual Funds
  • Insurance Products when necessary

Account Types

  • Individual Taxable Accounts. Tax overlay is available.
  • Individual Retirement Accounts.
  • Trust Accounts
  • Business Retirement Plans
  • Insurance Products
  • Education Plans
  • UGMA / UTMA (Custodian Accounts)

Risk Tolerance

We utilize the most current software to understand a client’s risk tolerance for their portfolios. Current portfolios or recommendations can be stressed tested in bear markets.

Tax Efficiency

Keeping as much as possible in your accounts is our goal. We plan for the most tax efficient distributions between your tax-free, tax-deferred and taxable accounts.

By using Separately Managed Accounts your portfolio will own individual equities. This allows for a tax overlay which will help control your short-term and long-term gains.

Investment Philosophy

Portfolios are built around by selecting investments which have historically outperformed on down markets while still delivering favorable returns on positive years. We look at many factors like maximum drawdowns, upside / downside ratios, past performance and many more indicators. We are able to present this in a simple understandable report for a client to understand.

Ongoing Service

Client satisfaction is our major goal for every client. Some of the items we do to service our client relationships are the following:

  • Reaching out approximately four times a year.
  • Making appointments convenience by offering web conferencing, online scheduling for appointments.
  • Communication of current tax and investment topics through email, blog, social media, podcast and written communication or phone calls if necessary.
  • Richard Oring, President, – “New Century Financial Group, LLC should be no different than the hospitality industry. Our clients deserve the same courtesy as if they were checking into a Ritz Carlton.”

Financial Planning

New Century Financial Group, recognizes that your planning needs are determined by the stage of life you are currently in. Our financial planning programs offer every aspect of financial planning from debt reduction to estate planning. Let us customize a financial plan for your needs.

Since everybody has different financial needs to plan for that is why New Century Financial Group will customize a financial plan that suits your household.

Cash Flow Planning

Understanding your income and expenses today and in the foreseeable future.

  • Making A Budget – monitoring your inflows to your planned expenses
  • Discuss Irregular Income and Expenses
  • Debt Reduction Planning – creating a plan to minimize the amount of interest you are paying on your college loans and other debts.
  • Help make future purchases. Example: Purchase / Lease?
  • Create a plan that tracts the ability to meet your short and long term goals.

Risk Management

Manage the risks that could undermine your goals, deplete your assets and threaten your income.

  • Life Insurance Needs Analysis
  • Protecting Your Income
  • Health Insurance
  • Long Term Care Planning
  • Homeowners, Auto & Umbrella policy review
  • Personal & Professional Liability

Investment Planning

Find ways to utilize investment strategies and vehicles best suited to your risk temperament and personal planning objectives.

  • Determine Risk Preference
  • Align Portfolio to Goals
  • Determine the tax efficiency of a portfolio

Tax Planning Strategies

Tax planning is addressed in each section of your financial plan as in relates to that specific area.

  • Review your previous year tax return to explain your income, deductions and tax liability.
  • Work with your current tax preparer in making sure you are making the most out of the tax code for your benefit.

Retirement Planning

Develop a road map to get you to retirement and making sure you are staying on course.

  • Develop a retirement goal and utilize financial planning software that pulls together your expense needs, income sources, and assets to project a probability of success. By constantly updating the plan, we can determine if you are on track for your goals or if you can or need to make some adjustments due to being ahead or behind your goals.

Estate Planning

Maximize the amount of money you leave to your beneficiaries.

  • We will help you understand what legal documents and strategies are available like wills, POAs, trusts, and buy sell agreements to protect your personal and business interests in estate planning. We will help you plan and review your documents to ensure that your estate plan is lined up with your wishes.
  • Review Beneficiary Designations.
  • Optimize Asset Titling.
  • Be able to show how distribution will flow at death for control and taxation.

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