Private Asset Management Group

Strategies for the Informed Investor

• Investment Management
• Retirement Income Planning
• Trust Owned Life Insurance Portfolio Management

Investment Management
We take a highly disciplined approach to asset management and firmly believe the appropriate portfolio for each investor can only be determined through an assessment of risk tolerance, return needs, time horizon, tax situation and liquidity position. The primary objective in all or our portfolios is to minimize risk and to achieve a reasonable return within the identified risk parameters.

Our conservative asset management approach is based on strategic asset allocation. Our portfolios, constructed with stocks, bonds and/or mutual funds; are centered on broad diversification of multiple asset classes with low levels of correlation. Low correlation helps to mitigate market volatility and provides the greatest potential for predictable, risk-appropriate levels of return.

Well known are the studies that demonstrate that asset allocation, the first piece of that puzzle, when done in a tactical way, can account for up to 90% or more of returns/volatility. We think that's true, but also attempt to add value meaningfully through style direction and security selection. The two most common asset management approaches (active and passive) aren't necessarily mutually exclusive but derive their value from different sources. The active fund model attempts to tactically asset allocate but also find manager alpha that more than compensates for any fees paid. The second approach works solely by focusing on tactical asset allocation choices (and some style adjustments) and adding value via the reduction of fees i.e. ETF's vs. a more expensive actively managed fund. Both can work but vary year-to-year as to which strategy will perform better and in which asset classes. We take a hybrid approach, ETF's are used in the more efficient asset classes (like large cap) and actively managed funds are used in areas where manager skill really makes a difference for return and/or risk control (small cap and high yield for instance). Our strategic method incorporates an analysis of current economic and financial data. We retain two full-time Charted Financial Analysts (CFA) with over 50 years of collective experience to assist us with this consistently applied process.

Retirement Income Planning
You've spent decades accumulating wealth. You may be approaching or in retirement, so it's important to have a plan for generating and managing income. Bay Colony Partners will consider the tradeoffs across four key income priorities and assist you with the development of a sound retirement income strategy:

Growth…Potentially enables you to benefit from investment gains and to help keep pace with inflation. The tradeoff can be exposing your savings to market fluctuations.

Guaranteed Income…Helps provide income to cover essential expenses. The tradeoffs may be less flexibility or potentially higher fees.

Flexibility…Gives you full access to and control of your money. The tradeoff may be accepting variable or predictable income instead of guaranteed income.

Principal Preservation…Helps you meet your retirement expenses without spending down your savings. The tradeoffs are it may be difficult to live off of interest earnings alone, and your assets may not keep pace with inflation.

Trust Owned Life Insurance Portfolio Management
We assist you and your advisor teams with the complex planning, construction, and monitoring of large life insurance portfolios. We realize that for many wealthy individuals, their life insurance portfolio can represent one of the single largest assets they own. We have built our business practice to ensure that this asset is designed and managed properly to deliver the intended results with the highest level of efficiency.

Contact us today for more information. Call 781-722-0005, or send an e-mail from our Contact Us page.