Private Asset Management Group

Strategies for the Informed Investor

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

Investment Management
Our investment philosophy is based on academic research that has—for more than 50 years—refined and supported the science of investing in the capital markets.

We believe, in accordance with the Modern Portfolio and Fama/French theories that the capital markets are efficient, we therefore do not engage in timing markets or stock picking. Simply put, we are investors, not speculators. We employ a long-term, disciplined investment approach and design investment portfolios that provide broad, global diversification across asset classes, which research has shown to be the most important factor in influencing long-term returns.

Bay Colony Partners utilizes the scientifically engineered institutional index funds offered by Dimensional Fund Advisors (DFA). DFA was formed in 1981 to apply cutting-edge academic research to the practical world of investing. DFA’s founders and board members include financial economists from some of the world’s leading universities and two Nobel laureates. DFA currently has over $120 billion in assets under management; their major investors are institutions such as pension and endowment funds.

The public cannot access DFA funds except through a select group of qualified firms. The fact that access to DFA is restricted allows for certain advantages. For example, DFA's large average account size minimizes expenses. Furthermore, this restricted market spares investors the cost of marketing and advertising expenses. Additionally, the fact that institutions are more disciplined long-term investors, when compared to individuals, this allows institutional funds to minimize trading costs and to remain fully invested. Through our relationship with DFA, we are able to offer their low cost institutional funds, which typically carry normal fund minimums to individual clients of $1 million.

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.