Investment Management Services
T&T provides investment management services to individuals, trusts, charitable organizations, corporations and other businesses. Such investment management services are either comprehensive or focused. For comprehensive investment management services, the client engages T&T to manage substantially all of the client’s financial assets, and T&T provides the client with retirement income planning. For focused investment management services, the client engages T&T to manage one or more portfolios of individual US-traded stocks but does not engage T&T to perform any retirement income planning services.
Comprehensive Investment Management Services with Retirement Income Planning
Comprehensive Investment Management with Retirement Income Planning includes plans for saving for retirement, for investing assets to improve returns subject to a level of risk acceptable to the client, for withdrawing income and principal to pay for normal living expenses in retirement and other expenditures expected in their retirement, and for deciding when and how to take social security benefits. Services also include an planning for a house purchase and for paying for college for children or grandchildren.
Focused Investment Management Services
T&T offers clients focused investment management services for clients who want T&T to manage one or more portfolios of US-traded stocks constituting only a portion of their financial assets. These are clients interested in trying to “beat the market” for the returns on these assets rather than investing in an index fund such as an S&P 500 Index Fund. The “market” is normally defined as the returns on the S&P 500 index, but T&T will consider using other indexes for the definition of the market in specific cases.
Clients offered Focused Investment Management Services are either sophisticated investors who do not need any assistance in determining their risk tolerance and appropriate asset allocation or who have some other investment or financial advisor who is providing such assistance. For a discussion of how we choose stocks for our model stock portfolios that we use to construct our clients' individual stock portfolios, see T&T Individual Stock Investment Strategy.
Investment Plan Evaluation
T&T offers investment plan evaluations for those interested in getting a second opinion on an investment plan or on portfolio management services that are being provided by another advisor or financial institution. This service includes an evaluation of the asset allocation of the portfolio, the performance of the investments against appropriate benchmarks, and an analysis of the total fees incurred by client including investment advisory fees and fund management fees.