Markets move through different cycles, and no one can predict those changes with certainty. Our investment process is designed to remain disciplined through changing market environments while keeping each client’s goals, risk tolerance, time horizon, and broader financial plan at the center of the decision-making process.

Rather than relying on a single investment style, we may use multiple complementary portfolio strategies. Some strategies are designed around long-term strategic allocations, while others may adjust exposure as market leadership, trends, and risk conditions evolve.

Our objective is not to predict every market movement. It is to follow a repeatable investment process, evaluate changing conditions, and make thoughtful portfolio adjustments when appropriate.

Depending on the strategy, we may consider factors such as market trends, relative strength, diversification, asset-class leadership, valuation, risk conditions, and the role each investment plays within the overall portfolio. When conditions appear more favorable, certain strategies may maintain or increase exposure to areas demonstrating strength. When risk conditions deteriorate, certain strategies may become more defensive.

The goal is to participate in long-term growth opportunities while maintaining a disciplined approach to managing risk.

Market declines affect investors differently depending on where they are in their financial journey.

During the accumulation years, investors who are continuing to contribute to their portfolios may have the opportunity to purchase investments at lower prices during periods of market weakness. The challenge can become greater when an investor begins relying on a portfolio for retirement income. Taking regular withdrawals while a portfolio is declining can place additional pressure on long-term sustainability because assets may need to be sold at reduced values. This is commonly referred to as sequence-of-returns risk.

For clients approaching or living in retirement, we believe investment management should therefore be coordinated with the way retirement income is generated. This is one reason our Dynamic Portfolio Strategy™ and Dynamic Retirement Income Strategy™ are designed to work together within the broader Dynamic Wealth Blueprint™.

Rather than depending on a single portfolio or investment style, we may use multiple strategies with different objectives to help balance the need for growth, income, liquidity, and risk management. Managing risk does not mean avoiding market volatility altogether. It means building a strategy designed to help clients remain aligned with their long-term plan through changing market environments.

We believe a combination of complementary investment strategies can often provide a more balanced approach than relying on a single strategy alone. Our approach begins by understanding the purpose of the assets and how they fit within the client’s broader Dynamic Wealth Blueprint™.

Before determining an investment strategy, we consider factors including:

• Financial goals
• Time horizon
  
• Risk tolerance
  
• Retirement income needs
  
• Liquidity requirements
  
• Existing investments
  
• Concentrated positions
  
• Tax considerations

From there, we determine the portfolio strategy, or combination of strategies, that may be appropriate.

Our investment process is designed to create strategy-level diversification, meaning different portions of a client’s portfolio may be managed using different investment approaches. Depending on the mandate, portfolio allocations may be overweighted, underweighted, or repositioned as market conditions, investment fundamentals, and risk indicators change.

Each strategy follows an established investment methodology and has a defined role within the overall portfolio. Our objective is for every investment strategy to have a purpose and for the overall portfolio to remain connected to the client’s broader financial plan.

PLEASE NOTE: Portfolio strategies are utilized when clients give full discretion to the advisors at Reddington Sourour Advisory Group to actively manage their accounts.