Oxford Harriman & Company
Portfolio Management Services
Institutional quality investment analysis and management for our clients.
We work with you to help determine your tolerance for risk, and to define a range of investment returns necessary to help you fund your objectives. We offer a large breadth of investment strategies, including both active, and passive strategies, utilizing individual equity positions, individual taxable and municipal bonds, mutual funds, and exchange traded funds (ETFs).
Investment Strategies Customized To Your Unique Financial Goals
Through our strategic planning process, we work with you to help develop an investment strategy that is consistent with your goals.
We provide customized asset allocation recommendations based on our understanding of your investment objectives and risk tolerance.
We work with you to help determine your tolerance for risk, and to define a range of investment returns necessary to help you fund your objectives.
We build each asset allocation strategy with your risk tolerance and return objectives in mind, combined with our current outlook for the financial markets and the global economic landscape.
We offer a large breadth of investment strategies, including both active and passive strategies, utilizing individual equity positions, individual taxable and municipal bonds, mutual funds, and exchange-traded funds (ETFs).
Our expertise in asset allocation includes:
- Defining risk tolerance and construction volatility strategies
- Efficient asset allocation using client-specific strategies
- Strong understanding & implementation of modern portfolio theory
- Construction and utilization of forward-looking capital market assumptions
- Focus on volatility management, predictable costs, and tax efficiency
Exchange-Traded Funds are subject to risks similar to those of stocks. Investment returns may fluctuate and are subject to market volatility, so that an investor’s shares, when redeemed, or sold, may be worth more or less than their original cost. Exchange Traded funds may yield investment results that, before expenses, generally correspond to the price and yield of a particular index. There is no assurance that the price and yield performance of the index can be fully matched.
The eMoney® Planning Platform
Our advisors utilize the eMoney® investment planning platform – a full-service, interactive tool that provides comprehensive analyses and client-friendly reports.
By planning your investments around benchmarks and life events that hold real meaning for you, our eMoney-powered process connects you to your investment strategy in a refreshing, revealing, and personal way.
Even better, it keeps you continuously apprised of that most critical financial question: “How am I doing?” The eMoney platform delivers the technology needed for your family and our team to discuss your life expectations, choose an appropriate investment strategy, track your progress, and easily resync (or rethink) your approach whenever necessary.
In short, eMoney creates an effective, easy-to-understand way for you to prioritize and achieve your important life goals while staying engaged in the planning process.
The eMoney platform is robust and versatile enough to serve a broad range of client needs. It offers both a Foundational Planning mode and an Advanced Planning mode, allowing us to tailor our approach to the complexity of your situation.
Foundational Planning Mode
Foundational Planning provides a streamlined, interactive, and engaging experience focused on your core goals.
It follows a straightforward, guided workflow from data gathering to plan output – a process that is easy to learn, repeat, and adjust as life changes.
Advanced Planning Mode
Advanced Planning Mode
In cases that require deeper analysis, Advanced Planning delivers a more in-depth experience by combining interactive cash flow modeling with robust estate planning capabilities. This comprehensive approach allows us to simulate multiple scenarios, incorporate detailed estate planning information, and adapt your plan as your needs evolve.
In either case, eMoney’s analytical engine covers all the essential areas – cash flow, retirement projections, insurance analysis, estate considerations, and Monte Carlo simulations of market variability – to test your plan against real-world conditions.
Oxford Harriman Portfolio Management
Assessment of your current portfolio
After working with you to identify your unique financial objectives, we conduct an assessment of your current portfolio.
Our portfolio assessment includes:
- Risk Analysis
- Volatility study
- Expected return
- Cost analysis
- Search for inefficiencies
We strive to create an efficient portfolio strategy for each client based on institutional-quality capital market assumptions. We use quantitative research using our forward looking capital market assumptions, combined with our understanding of past volatility, and the current economic environment, to help create portfolios that compensate our clients for the risk taken.
Our portfolio strategy
Our strategy for portfolio construction is based on a time-honored approach that works and includes our multi-step process.
With our process, we delve deep into not only your objectives, but into the math of portfolio construction to:
- Combine forward-looking assumptions with what has happened in the past.
- Build a volatility strategy for your portfolio that is stress-tested.
- Help to explain and manage the risks associated with the randomness inherent in the financial markets.
When combined with your portfolio, our eMoney® investment planning platform makes it easy to keep track of your progress and realign your investment plan with your Target Zone whenever necessary.
IMPORTANT: The projections and other information generated by the eMoney platform regarding the likelihood of various investment outcomes are hypothetical in nature. They do not reflect actual investment results and are not guarantees of future results. Your results will vary over time with each use of the tool. These estimates are intended to help guide your planning and decision-making, not to predict exact portfolio performance.
Based on accepted statistical methods, eMoney uses a mathematical process used to implement complex statistical methods that chart the probability of certain financial outcomes at certain times in the future. This charting is accomplished by generating hundreds of possible economic scenarios that could affect the performance of your investments. Using Monte Carlo simulation this report uses up to 1000 scenarios to determine the probability of outcomes resulting from the asset allocation choices and underlying assumptions regarding rates of return and volatility of certain asset classes. Some of these scenarios will assume very favorable financial market returns, consistent with some of the best periods in investing history for investors. Some scenarios will conform to the worst periods in investing history. Most scenarios will fall somewhere in between.
