How We Add Value

ACTIVE OVERSIGHT, PROACTIVE ADVICE™

Traditional investment strategies attempt to add value through securities selection and market timing. These “active” approaches strive to exploit perceived inefficiencies in the financial markets. But research shows that most active investment managers fail to add value for investors. The main reason is that they are focusing on market forces that are neither predictable nor controllable.

ZAG firms take a smarter approach to investment management by focusing on activities that are within an investor’s control. We describe this approach as Active Oversight, Proactive Advice™. First, our belief in fair pricing leads us to create “passive” portfolios designed for diversified exposure to the capital markets. Then we are free to actively manage each client’s wealth in ways that add long-term value.

Active Oversight: ZAG firms help clients actively manage the details of their wealth by:

• Setting and monitoring the asset allocation in their portfolio
• Setting goals and watching for events and conditions that might indicate a change
• Developing a plan for assets, cash, and use of their money
• Working with them to implement a customized plan

Proactive Advice: ZAG firms help you stay on top of your wealth plan. Rather than trying to predict markets, an advisor models how potential events or conditions may impact an investor’s goals, financial plan, and portfolio allocation, and then offers proactive insight to ensure that the client is well prepared for different circumstances.

We are active about what matters and proactive in anticipating how changes in your finances or personal goals may affect your strategy.