Philosophy

Camelot Wealth Management​

Our investment philosophy makes the difference.

Camelot’s Investment Philosophy was created specifically for you, so as to provide a framework for more effective investment decision-making and action. It is based on the following concepts:

Diversification

A risk management technique that mixes a wide variety of investments within a portfolio. The rationale behind this technique contends that a portfolio of different kinds of investments will, on average, yield higher returns and pose a lower risk than any individual investment found within the portfolio. Being diversified in the stock market is easier than ever through low cost Exchange Traded Funds (ETFs).

Asset Allocation

An investment strategy that aims to balance risk and reward by apportioning a portfolio's assets according to an individual's goals, risk tolerance and investment horizon. The three main asset classes - equities, fixed-income, and cash and equivalents - have different levels of risk and return, so each will behave differently over time. A higher percentage in stocks means more up and down volatility, but more potential growth over time. A higher weighting in bonds means more stability, but lower average returns over time. We tailor your mix to you.

Tax Efficiency

An attempt to minimize tax liability when given many different financial decisions. There is a wide variety of tax-efficient vehicles. Our systems are designed to make sure that each trade is weighted against the tax impact of your individualized portfolio. We will help make tax efficient investment in consultation with your tax advisor.
 

Low Investment Costs

We recommend that most investments in the stock market be in low cost ETFs. The internal expense ratios of our broad-based ETFs portfolios averages below 0.2%. When it comes to mutual funds, fees have a huge range and vary across asset classes. Average annual fees are 1.44 percent on equity funds, 1.02 percent on bond funds and 0.24 percent on money market funds, according to the calculations of the Investment Company Institute, the mutual fund trade group. Let us help you lower your costs.

Transparency

When you invest, you have the right to: Ask for and receive information from a firm about the work history and background of the person handling your account, as well as information about the firm. Receive complete information about the risks, obligations, and costs of any investment before investing. Receive recommendations consistent with your financial needs and investments objectives. Receive a copy of all completed account forms and agreements. Receive account statements that are accurate and understandable. Understand the terms and conditions of transactions you undertake. Access your funds in a timely manner and receive information about any restrictions or limitations on access. Discuss account problems with the branch manager or compliance officer and receive prompt attention to and fair consideration of your concerns. Receive complete information about commissions, sales charges, maintenance or service charges, transaction or redemption fees, and penalties. Contact your state or provincial securities agency in order to verify the employment and disciplinary history of a securities salesperson and. the salesperson’s firm; find out if the investment is permitted to be sold; or file a complaint.

Independent Advice

Because our compensation is not tied to selling any products, you can be assured that our advice will be independent, objective and focused on what is best for you. Objective, high quality, and truly comprehensive advice can only be expected if that is exactly what an advisor is paid to provide. If an advisor’s compensation is dependent on a client purchasing a specific product (an insurance policy for instance), or using a particular service (in-house products), a significant conflict of interest occurs whenever a different allocation of capital would be in the client’s best interest. You get the behavior you incentivize. Our advisors assess a client’s overall situation and recommend the best course of action to meet the client’s individual objectives, whatever financial decisions that may involve. Our goal is to deliver maximum value with complete transparency.

Our overriding goal is to ensure that your understand you can "fire us" at any time. None of our offerings come with long-term contracts or surrender charges. We don't want to lock you in with contracts, rather with trust and competence. In every case our fee is fully-disclosed and the terms of the engagement are documented in a written agreement before any work begins.

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