Our Expertise
Our Expertise

Investment Management

What are we doing as COVID-19

affects the investment markets? 

( August, 2020 )

Uncertainty that accompanies the "novel" Coronavirus disease of 2019 (COVID-19) continues to trigger unprecedented volatility in the investment markets. 

What not to do.

Don't bother guessing whether we are at a market top or bottom. No one has ever consistently timed markets;  and even if we believed we could, we still never want to be “all in” on any single outcome because, after all, the future is indeed uncertain.

What are we doing now?

Big market dislocations, especially declines, lead people without a plan to act bananas-crazy with their money.

For us, the craziness is an opportunity.

Each of our clients has a written plan of action for achieving their specific investment objectives and an Investment Policy Statement that strategically incorporates market volatility, especially declines.

  • We are buying new and different assets and, when markets continue to decline, we are making even more purchases in the same and new.
  • We are re-balancing and tilting more and more to the newly “cheap stuff”.
  • In addition to direct purchases, we use buy-limit orders below the current prices as a tool to try and pick up assets at attractive discounts.
  • Each purchase evaluation begins with the question, “will I likely be happy with this investment five or ten years from now?”
  • If/when the markets drop more, we deploy more cash and buy more.
  • We continue scaling into assets that appear cheap and robust enough to deliver long term returns that meet client goals.

For more details, feel free to call 800-585-9888


For many frustrated investors, expectations have not been met

because their expectations have not been measured.


The journey to reach your financial objectives is like a road trip.

If you choose the wrong road, drive the wrong speed, or take the wrong vehicle, you'll be significantly less likely to arrive where you want to be - when you want to be there.



 Optimize Your Vehicle        Optimize Your Route         Optimize Your Speed


Using a scientific framework that won the Nobel Prize in Economic Sciences, we are able to engineer a portfolio to fit your unique risk preferences and meet your investment expectations with a 95% mathematical confidence.

How risky is your portfolio?
Watch this 83-second video, and contact us for a complimentary risk analysis of your portfolio.


Performing a basic "Time Value of Money" calculation will identify the Rate of Return necessary for your investment portfolio to achieve the desired Future Value over your specific Time Horizon.

Here's the key to investment success:

Maintain speed at your Target Rate of Return and ignore other speeding vehicles:

The progress of your investment portfolio should be measured over time by how well it's meeting your Target Rate of Return, not the Dow Jones index, not the bragging neighbor, and not the "smart sounding" pundits on TV.

Grow to your Future Value by avoiding emotional driving:

Investors don't like to see their account values decline; which is when many investors unintentionally prevent their investment strategy from maturing into its Future Value by reacting impulsively at the worst possible times - selling what they should probably be buying, and chasing what they should probably be avoiding.

Don't rush your Time Horizon or increase the risk of crashing:

Pursuing higher returns comes with the increased potential for higher losses. Why would you risk driving 100 miles per hour to your destination if you have plenty of time to get there? Similarly, it's important to align your investment strategy and risk with the Time Horizon of your goals.

Next, we will document the process of achieving your investment objectives with a written Investment Policy Statement.

With your input and goals in mind, we will draft your IPS to spell out how investment decisions will be made for your portfolio including return expectations, income requirements, risk tolerances, and time horizons, all tempered with any other criteria important to you as we set out to achieve your financial objectives. This process is ongoing and evolves as your circumstances change.

Clients often come to us with relatively suitable investments but a disproportionate exposure to risk. In these cases, we seek to realign the portfolio without selling everything, paying the taxes and starting all over again.

We know that taxes can be a tremendous drag on a portfolio's total return, and employing strategies to reduce them can produce better net returns without incurring additional risk.

We know many financial products are burdened with ambiguous fees and unnecessary expenses buried in the fine print of confusing disclaimers. Reducing or eliminating these costs is another effective way to save our clients money.

We also know that emotions often drive or inhibit investment decisions. We believe that not making an investment is just as important as making one, and adhering to the disciplines of a strategy, prudent risk management, and having a written investment policy are essential to fulfilling a client’s long-term objectives.


Each client’s investment portfolio is crafted from the knowledge and expertise of our collaborative Investment Committee along with some of the leading portfolio managers from around the world.

Large institutions will often scale their operations by generalizing consumers into model portfolios. This may allow them to become large and profitable with minimal effort, but we don't believe it delivers much value.

At FirsTrust, each portfolio is different, depending upon the client's personal objectives and the existing components of their investment accounts. With a hierarchy of your goals, respective timelines and risk tolerances, we have the framework for selecting investments and allocating capital to each objective.

As truly independent wealth managers, we can evaluate and select investments from anywhere -  not just a menu of choices that favor the shareholders of a financial institution.

As true fiduciaries, we can guarantee the impartiality and objectivity of our investment opinions. We know the widest selection of the world's best performing investments is rarely ever found at the local bank or brokerage. As a truly independent firm, we are free to evaluate investments across the globe to find the most appropriate components for each client's portfolio.

The blended perspectives, approaches and backgrounds of our collaborative Investment Committee decisively minimizes the shortcomings of any single investment approach or analytical tool. The Investment Committee endeavors to continually distill our best ideas and practices from the implementation strategies down to the asset classes and ultimately to the specific investment selections for the benefit of all our clients. Each of our Advisors is then empowered to make the granular decisions given each client's unique mix of goals and circumstances.

Asset Allocation:

The process of discovering your asset allocation framework is ultimately intended to maximize the probability of achieving your specific goals. No single approach to asset allocation is appropriate for everyone. Your mix of taxable vs. tax-deferred investments, asset classes, amount of funds and cost basis is different from other investors, so your asset allocation strategy should be too.


Among the most valuable - and overlooked - investment tax strategies

Strategic Asset Location


Once your portfolio’s asset allocation is determined, we seek to improve its tax-efficiency by optimizing the “asset location”: holding more of the income-producing investments inside of retirement accounts to defer the annual income tax bite, and holding growth-oriented investments in taxable accounts where capital-gains tax rates may be timed and managed. This asset-location strategy also considers taxes on your future spending and any portfolio transitions. By strategically evaluating the "big picture," we can often add significant value without taking additional risk simply by strategically placing assets where various tax drags can be reduced.


Comprehensive, accurate data leads to more fully informed choices.
We typically provide consolidated quarterly reports to monitor progress toward meeting your goals, evaluate risk levels, and communicate information with you effectively.

FirsTrust also employs cutting-edge technologies to collect data from all of your investment holdings, wherever they may be held, aggregate that data into one centralized management system, and provide you with 24/7 access from a single web-dashboard.

  • Account Aggregation
  • Prioritized Goal Setting
  • Financial Statements
  • Account Balances
  • Investment Tracker
  • Position Details
  • Performance Analytics
  • Estate Data Organizer
  • Secured Document Vault
  • 24/7 Web & Mobile Access
  • Collaborative Data Sharing

Asking the right questions is how we continually review and communicate investment performance through the context of your financial goals.
How is the portfolio tracking against your Target Rate of Return?
Are your income needs being met? Do you have any upcoming cash requirements?
Have your priorities remained the same or has life thrown you a curve ball?


Want an expert opinion about YOUR investment profile?


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