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Our Investment Philosophy
Whether you are planning for future retirement or are already in your retirement years, Peninsula Asset Management believes that your investment goals can best be achieved through prudent asset allocation and diversification within your investment portfolio to help control risk. Only after thorough discussions in person or by phone to understand your goals and ability to handle different types of risk can we design and implement an appropriate investment strategy. We are not speculators, short-term traders or market-timers as we believe that these strategies have limited potential for longer-term success. We seek to produce above-average returns consistent with the level of risk taken.
Our Process
We build client portfolios with individual stocks of larger, established companies that have demonstrated consistent and sustainable growth of earnings. Companies with an extensive history of consistently increasing dividends are emphasized. Peninsula may also invest in exchange-traded-funds (ETFs) when appropriate for diversification with mid-cap and small-cap stocks, international stocks and real estate. Portfolios with a balanced or income-orientation may also contain U.S. Treasury securities, Government Agency bonds, corporate bonds and preferred stocks. Tax-exempt municipal bonds may also be considered depending upon your tax situation. Once we have agreed with you on an appropriate investment approach to meet your personal goals, we will use our best judgment to select securities for your portfolio and make the decisions as to when to buy and when to sell. Whether stocks or bonds, we look for a high level of quality as measured by major ratings agencies or other fundamental criteria.
Our Ongoing Service
Creating and managing an investment portfolio is a process requiring continual focus and attention. You will work directly with one of our experienced portfolio managers and be able to meet or talk with them to review the portfolio and progress toward meeting your goals. We will make adjustments to your portfolio from time to time as we believe are necessary as a result of market conditions or your changing financial circumstances. We personally analyze the investments that are made for your portfolio and make all decisions as a result of that analysis. Since we do not sell any investment or insurance products or earn any commissions or other forms of incentive payments, our decisions are objective and intended to benefit you.
For more information, or to schedule a consultation, call us today at 941-748-8680.