|
|
 Developing
Your Strategic Investment Plan
Third
Party Money Manager Program
Progressive
One Mutual Fund Program
Financial
Consulting Services
PAM
provides complete financial consulting services to
institutions and individuals with large or smaller
portfolios. We assist clients
with:
- Investment
Plan Design - financial
objectives, social goals, and asset allocation.
We offer fee-based consultant plans ranging from
mutual fund management for beginning portfolios,
disciplined equity investment models for larger
equity portfolios and third party investment
manager consulting for those accounts requiring
the most services.
- Implementation
- investment
plan recommendations, investment manager
evaluation, searches, and selection advice;
social screening; shareholder advocacy; and
custodial services.
- Performance
Monitoring and Reporting -
financial
performance and social performance.
Developing
Your Strategic Investment Plan
At
PAM, we work with you to establish a strategic
investment plan that fits your goals and
aspirations.
- Establishing
the Financial Objective -
The
financial objective is composed primarily of
three factors: risk, return and time frame. We
help you discover the best risk/reward stance
for you based on what is really important: your
own goals for what you want your money to do for
you.
- Establishing
the Social Objective -
The
social objectives determine the relative
importance to you of various social issues that
determine the selection of appropriate
investments. We'll also assist you in
determining the applicability of different
social purpose investments.
- Establishing
an Asset Allocation -
There
are risk and return tradeoffs historically
associated with the various asset classes
(stocks, bonds, cash, hard assets etc.). Our
analysis will show an appropriate asset mix for
your financial objective, and we'll adjust this
mix as markets and objectives
change.
- Plan,
Money Manager and/or Investment Selection -
We'll
help put it all together for you by recommending
and implementing money manager selection and/or
portfolio deployment, depending on which
Investment Program is right for you.
- Performance
Monitoring - As
a fee-based client, we'll provide you with
periodic reports on the performance of your
program versus your personal objectives
and versus objective benchmarks. If performance
starts to veer away from your objectives, we'll
offer recommendations to change the course to
keep your portfolio on track.
Depending
on your needs and the size of the portfolio, your
fee based portfolio management might be structured
as a portfolio managed by one or more outside
professional
money management
firms,
a portfolio of professionally chosen and managed
mutual
funds,
or in our own proprietary Risk
Aware Management
Program.
Third
Party Manager Portfolio Advisory Service for
Socially Concerned Investors
Customized
money management arrangements can be the perfect
solution for a larger portfolio. Many organizations
require the kind of checks and balances on
performance that advisory consultant supervised,
money manager directed portfolios can
provide. These arrangements work best when each of
the steps required are taken with sufficient
care and resources to do the job responsibly.
By
separating the brokerage transaction function
from the investment decision making function, we
achieve a check and balance system that meets
fiduciary standards for institutional portfolios
and gives the individual investor the secure
knowledge that investment selections are only being
made on the basis of your financial interests, not
the manager's or the broker's.
Benefits
of This Program
- Our
customized portfolio program allows access to
money managers ordinarily available only to the
largest institutions or the very
wealthy.
- This
service also enables you to receive state of the
art social screening services with managers that
know how to accommodate a socially screened
portfolio successfully.
- FAFN
provides comprehensive quarterly reports
emphasizing overall results, instead of
separating each account or manager performance.
A time-weighted return measure is used to get
the best picture of your overall investment
plan.
No
matter what the clearing arrangement, your
portfolio is covered with insurance protection up
to $25 million per account.
The
Progressive One Mutual Fund Program
The
PAM network has developed a one source
program - Progressive One*- that offers
socially responsible mutual fund investing in a way
that is simple and cost effective. With
Progressive One, available through Charles
Schwab & Co. or National Financial
Services, PAM's clients can benefit from PAM's
socially responsible investment orientation and the
simplification and cost reduction of one
consolidated Schwab account. Progressive One is a
simple advisory-fee based program intended to
enhance the ability of investors to purchase and
trade shares in socially responsible funds from a
number of different mutual fund families, transfer
among the funds, and receive just one monthly
statement. Investors also receive comprehensive
quarterly performance reporting from Financial West
Groups, Inc.'s RIA department. Progressive One is
recommended for growth oriented portfolios from
$25,000 - $250,000.
*Please
contact your PAM Investment Consultant for a
brochure giving a more extensive description of the
Progressive One program including fees and charges.
The offer and sale of mutual fund shares may only
be made by fund prospectus. Fund prospectuses on
these mutual funds may be obtained from your PAM
Investment Consultant. Past returns are not
necessarily an indication of future
results.
Once
you've decided you wish to explore further,
contact
us
to
start the conversation.
|
