Financial Planning & Account Management

Independence & Research

StraightLine was founded to always do what’s right and what’s best for each client. Our independence from retirement plan providers, mutual fund companies, and insurance/annuity providers ensures that all investment decisions are in your best interest. As a fee-only Registered Investment Advisor, StraightLine does not receive any investment commissions. This allows us to remain completely objective in providing comprehensive education, portfolio management and advice.

A Sound Process, Consistently Applied

StraightLine has been a research-driven firm since our inception. Our dedicated research professionals utilize powerful institutional tools and oversee our time-tested investment process. This approach allows us to accomplish the vital task of managing each client’s portfolio based on a multitude of variables such as time horizon, risk tolerance, expected return, asset class preference, tax status and the ever-changing market landscape.

Our process combines traditionally accepted allocation techniques consistent with Modern Portfolio Theory with a forward-looking analysis of prevailing economic and geopolitical conditions. Our team then uses exhaustive screening techniques that combine returns-based and holdings-based style analysis to select, monitor and change investment options for our clients. We feel that considering multiple approaches is critical as conclusions based on a single approach or tied to one particular school of thought provide a less-than-complete perspective.

Changes to our portfolios should not be considered “market timing”, but rather proactive adjustments to the asset classes comprising the strategic allocation. StraightLine will also adjust portfolios if necessary when a client provides updated information about their individual circumstances or retirement goals. This natural evolution of an individual’s needs and situation must also be accompanied by an evolving expectation for account performance.

Performance cannot be viewed strictly as one neatly wrapped ‘percentage’, as the behavior of an account in all market conditions – especially during down times – is a multi-faceted concept. The overall performance of an investment professional must include service, communication and planning among many other factors and should yield peace of mind.