Asset Management Services

In today’s world of complex and ever-changing financial markets, putting together a sound investment strategy can be a daunting task.

Many high net worth investors are becoming more proactive in the management of their investment portfolios by turning to the experience and expertise of product-unaffiliated, objective investment advisors.

Hillcrest Wealth Advisors provides services to our clients using a proven five-step Investment Advisory process:

First, we help you determine realistic objectives for each facet of your portfolio. We analyze your current assets and investment activities, gain an understanding of your risk tolerance, and examine the sources and uses of your existing assets. We focus on constructing a tailored action plan that will help you achieve your investment goals.

Designing effective asset allocation is a critical challenge. We help you determine your goals and objectives attendant to your personal tolerance for market risk. We apply knowledge of current economic factors and portfolio theory to propose specific recommendations which help you make appropriate investment choices. The natural progression of our objective process after determining your asset allocation strategy is to formalize your investment policy statement. The policy statement is based upon your specific needs and provides a blue print for asset management and guidelines for manager/mutual fund search to implement the policy statement. The IPS also provides a basis for ongoing performance reviews and evaluations of your portfolio and the managers we help you select.

Our comprehensive approach as investment advisors culminates in a performance evaluation, which serves to answer three questions: Were the asset allocation strategy and manager structure implemented effectively and attendant to your investment policy statement? Are the separate investment managers adhering to the investment policy statements which should be aligned with your objectives? Are the managers adding value based on performance, risk, fees charged and other factors?

We periodically rebalance discretionary assets and make recommendations for rebalancing non-discretionary assets. Rebalancing can be triggered by one of several events, including changing market conditions, reaching target allocations thresholds, changes in investment strategy or cash flow needs. Our operational review process helps us to identify costs that can be reduced, other investment vehicles and components which may improve performance, and risks that can be mitigated. The review is undertaken as an ongoing process, so we can continually address the needs of our clients.