Investment philosophy

We provide customized individual investment portfolios tailored to your specific risk tolerance, time horizon and objectives. Our individual portfolios are built based on five investment principles:

Diversification

A well-diversified portfolio can help protect you from the extreme highs and lows of market volatility, which in turn can help prevent you from feeling the extreme emotions as your portfolio expands and contracts.

Asset allocation

Asset allocation is the weighting of specific asset classes within a portfolio. One of our goals is to provide you the greatest return possible given the level of risk you wish to take and active asset allocation helps us achieve this goal.

Rebalancing

Regular account rebalancing of a portfolio is both a risk control and return optimization strategy. Rebalancing allows us to continually "buy low and sell high" while avoiding an excess over-allocation to any one asset class.

Time in the market

We do not time the market, rather we devise an allocation strategy specific for each client. The longer you are invested, the more time there is for your investment returns to compound. Time also enables you to take advantage of long-term historical market returns to effectively grow your portfolio over the long run.

Expense

We strive to ensure our fees are fair and accurately reflect the value we provide. The annual fee for our services is based on your total household managed account values.

Disclosures

Andrew Shermoen, NMLS # 1663698, Gregory Witt, NMLS # 1792485, Jess Troyak, NMLS # 1538503, and Curtis Carstens, NMLS # 1548853 through City National Bank, may receive compensation from RBC Wealth Management for referring customers to City National Bank. Banking products and services are offered or issued by City National Bank, an affiliate of RBC Wealth Management, a division of RBC Capital Markets, LLC, Member NYSE/FINRA/SIPC and are subject to City National Banks terms and conditions. Products and services offered through City National Bank are not insured by SIPC. City National Bank Member FDIC.

Investment products offered through RBC Wealth Management are not FDIC insured, are not guaranteed by City National Bank and may lose value.