It is important to choose a firm that takes the time to fully understand your financial position and investment philosophy before making any investment recommendations.

At De Maine Wealth Management we believe that investments are simply tools to help you pursue your goals and that wealth is created through long- term successful participation in global capital markets. We manage client portfolios to harness this potential in the most inexpensive, tax-efficient way possible while balancing need for return and tolerance for risk.

What is De Maine Wealth Management’s investment protocol?

Based on your financial plan we strive to create a portfolio that will seek an appropriate balance between risk and return. We employ a strategic asset allocation strategy coupled with tactical research that emphasizes portfolio re-balancing and mid to long-term market trend analysis. With the help of independent, objective research we carefully select from the thousands of investment management possibilities available today to build a portfolio that work towards meeting your needs.

Calculated Approach to Risk

We believe that risk should only be undertaken to the extent necessary to achieve your goals. For many of our clients, risk is a preference not a necessity. Through our specialized process we are able to provide you with a clear understanding of how to best balance what you need with that which you are most comfortable in order to pursue and maintain financial independence. Regardless of whether risk is a preference or a requirement, De Maine Wealth Management strives to achieve broad diversification both across and within asset classes to help reduce the volatility that is inherent in any portfolio.

Independent Advice and Open Architecture

As independent financial advisors we are free to act as your objective advisor and advocate. This freedom allows us to implement portfolios for each client by searching out the most suitable opportunities, regardless of their source. We are able to offer separate account managers, large institutional managers, as well as other traditional and alternative strategies. We also have the ability to offer a full selection of investment options. 

Because we are primarily fee based advisors the compensation we receive for asset management is based on total assets managed rather than on the number of transactions made. Accordingly we can objectively weigh the merits of each investment, making changes only because we believe they will contribute to the success of your investment strategy.  We strive to select investments for our clients that combine top performance expectations with the lowest possible cost. You can rest assured that we are advising you on the merits of each program rather than selling or defending proprietary programs or research.

Tactical not Timing

While we take a long term view of investments we also employ tactical research in an effort to capitalize on shorter term trends and cycles that are present in our financial markets. Nevertheless, at times, whatever strategies you may have in place, capital markets and economies go through painful periods. An overwhelming body of evidence indicates that trying to make short term guesses to attempt to avoid these adjustments (market timing) is extremely improbable. The attempt can also be costly and very inefficient on an after-tax basis.

Most importantly one or two incorrect or ill-timed decisions can more than undo the advantage of remaining committed to a properly crafted investment strategy over the long term. While we take every measure to manage risk in client portfolios, we also coach our clients that they must occasionally accept and tolerate sometimes painful short-term volatility to reap the positive performance advantages that may potentially accrue over the long term.

Sensitivity to Taxes and Expenses

Taxes are inescapable for virtually all of our clients and are a very significant consideration for many of them. Our wealth managers are not only familiar with our clients’ tax sensitivity and situations, but are also experienced in helping to mitigate the tax consequences of portfolio management. We exercise great care in the appropriate placement of investments within taxable and tax-deferred accounts and continually monitor and review portfolios for tax opportunities.

We can assist you with building a comprehensive portfolio including but not limited to:

Active and/or Passive investment strategies

• Separate managed accounts
• Fee-based asset management
• Mutual funds
• Exchange Traded Funds (ETFs)
• Tax-advantaged investing
• Fixed Income investments
• Fixed investments
• Individual stocks and bonds
• Money Market Accounts and other cash management alternatives
• Real Estate Programs
• Tax Credit Programs
• Hedge Funds and Fund of Funds
• Alternative Investments

Investing involves risk including loss of principal. No strategy assures success or protects against loss. 

Tactical allocation may involve more frequent buying and selling of assets and will tend to generate higher transaction cost.  Investors should consider the tax consequences of moving positions more frequently.