Asset Allocation and Investment Management « Palisades Hudson Financial Group

We serve our clients’ investment needs through our registered investment advisor affiliate, Palisades Hudson Asset Management, L.P. PHAM has more than $1 billion in assets under management, including both discretionary and non-discretionary accounts. In discretionary accounts, we help the client to determine and periodically review his or her investment goals. We develop an appropriate investment strategy, and finally we implement the strategy on the client’s behalf. In non-discretionary accounts, we provide portfolio tracking, performance reporting, and timely information for tax planning and compliance.

Investment Approach

Our threefold investment approach helps clients organize their financial affairs and build capital in a sustainable way.

Risk management. We manage risk by investing in carefully researched securities and by achieving substantial diversification through the use of mutual funds, exchange traded funds, and closely held investments that include private equity, hedge funds, natural resources and real estate.
Long-term orientation. We do not try to time or otherwise “beat” the markets, nor do we try to profit from cyclical market swings. With this in mind, we help clients to develop long-term investment strategies that fit their financial goals, and then implement those strategies using the most appropriate vehicles.
Financial integration. We offer a comprehensive package of financial services. Our investment management is closely integrated with tax planning and other aspects of our clients’ affairs.

Investment Implementation

Most client investments are made through low-cost mutual funds and other cost-effective vehicles, which are typically held in custody accounts at large institutions. PHAM can provide its clients with access to premier private equity and hedge fund offerings when these options are appropriate for a client’s risk tolerance and financial position.

We do not commingle clients’ funds with one another or with our own accounts. You will receive statements directly from the custodial institutions, in addition to our own enhanced statement, which will show your comprehensive investment picture.

Advisor Compensation

Palisades Hudson Asset Management bases its fees on assets under management, and its rates are competitive with other independent advisors. We do not accept any commissions, referral fees, sales loads or other incentives from any third parties. All compensation comes directly from our clients and is clearly and fully disclosed.

This fee-only compensation structure eliminates the potential for certain conflicts of interest. Our primary aim is to ensure the growth of your portfolios, and aligning our interests with yours is the most efficient way to achieve that goal. Our independence and objectivity are among our strongest competitive advantages.

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