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Zurbriggen Financial


Our Investment Philosophy

Diversification: We believe diversification is essential. This is accomplished within our portfolios in two ways. First, we diversify among various asset classes and investment management styles in both the US and globally, as well as at the industry sectors. Second, incorporating unique money management styles, such as strategic (buy and hold) and tactical (active trading) further enhances the level of diversification of our client’s portfolios helping to minimize market volatility to the extent it is possible. As a result we seek to position our client’s portfolios beyond a traditional investment approach.

Our firm is affiliated with one of the largest independent broker/dealers in the country. Securities America, Inc. does not have any proprietary investment or financial products. It is our goal to find some of the best financial solutions available in the market and offer them to our clients.

We design our portfolios with a time segmented income approach. Our portfolios are designed with a specific financial purpose (cash reserve, income, growth) and time frame on behalf of our clients. In light of recent market trends, we believe that reducing downside capture is as important as enhancing positive returns.

Institutional Money Management: Our portfolio recommendations are comprehensive in that we utilize independent institutional money managers that normally require large investment minimums. Through our affiliation with Registered Investment Advisory firm, Securities America Advisors, Inc. these minimums have been reduced to acceptable investment amounts that we think would appeal to our clients. We believe that our clients benefit from the utilization of institutional money managers, many of whom manage large pensions. They offer resources and experience, such as a sizable analyst staff dedicated to daily review and design of your portfolio. Some money managers are certified in the Chartered Financial Analyst designation. Some have graduated from upper echelon educational facilities with a degree in portfolio design and economic theory. The experience and time commitment these money managers provide may help increase the probability of success for our clients.

Time and Risk/Return Correlation: A portfolio is designed with time and volatility in mind. Time frame is at the foundation of any portfolio. When the assets are needed dictates the amount of volatility a portfolio can retain for the desired result. The shorter the time frame the less volatility a portfolio should retain. Each portfolio is constantly being monitored to efficiently connect the financial goal due date to its associated risk factor.

We design portfolios for cash reserve, portfolios meant to distribute income, and portfolios meant to accumulate for future goals. Each financial goal should have a separate portfolio with a unique time and risk/return correlation to help the probability of success of that goal. No one portfolio should serve all financial purposes.

Review Process: Our portfolio reviews are done throughout the year. We constantly review to ensure the quality and investment objectives of our money managers. In summary, our extensive review process provides our clients with the necessary information to make informed and prudent investment decisions in line with ever changing market conditions.

*Investments in model strategies may expose the investor to risks inherent within the model and the specific risks of the underlying investment directly proportionate to their allocation. All investments involve the risk of potential investment losses and no strategy can assure a profit.

*Diversification seeks to reduce the volatility of a portfolio by investing in a variety of asset classes. Neither asset allocation nor diversification guarantee against market loss or greater or more consistent returns.