Wealth Management
Our Investment Philosophy
At Kaighin & Clemons Advisory Team, our investment approach is supported by established academic principles designed to seek optimal positioning in the balance between risk taken and rewards sought, that helps each client maintain a level of confidence with their investments while helping to ensure that their capital is working effectively to support their life goals.
Through careful consideration of the risk characteristics of multiple asset classes, including different categories of stock, bond, and alternative investments, we look to build a portfolio that can build wealth for the patient investor over time. Utilizing advanced analytical tools and modern risk assessment frameworks, we combine multiple investments in a manner that seeks to moderate the degree of risk.
We do not chase “hot” stocks or seek short-term returns from any investment, and as a result, we do not rapidly trade client accounts in pursuit of yesterday’s winners. Our strategic approach allows us to participate in market returns and other academically supported sources of returns.
Because an investor only truly earns what they keep after paying taxes, we employ a thoughtful approach to the tax considerations of all investment decisions with the goal of minimizing the tax burden of your investment portfolio and maximizing the proportion retained by the investor. Actions taken to improve your after-tax returns include complex processes such as optimizing asset locations (evaluating your entire portfolio to minimize the proportion of income and gains subject to taxation), and engaging in tax-loss harvesting, which is the practice of placing transactions that advance the timeframe for recording losses on your taxes, while seeking to defer recording gains.
Individuals: We develop client investment portfolios that are tailored to your goals and risk tolerance. We employ investment management plans that are built on the foundation of properly allocated and diversified quality investments to potentially preserve and grow your wealth.
Where appropriate, we can create portfolios that build upon investments you may already own and provide oversight to help ensure appropriate risk management and diversification.*
Business Owners: We help business owners set up the correct retirement plans for themselves and their employees. This process can typically include engaging with multiple owners, office assistants, and controllers. We make sure to take in the necessary information from all these inputs to find a retirement plan that is right for the company. We also help manage current plans that might have "outgrown" themselves. We make sure to "price out" current plans and review record keepers and TPA's to make sure the plan is set up in the most cost-effective manner. As plan assets grow, we encourage business owners to engage in this type of behavior.
* Asset allocation, risk management and diversification do not guarantee a profit or protect against loss in declining markets. They are methods used to help manage investment risk.