Investment Portfolio Management

Business Meeting Stock Photo

PlanRock Private Client has two primary objectives when it comes to investment portfolio management:

  1. Develop investment portfolios that help provide a solution to reach a specific goal and objective, not just a one size fits all.
  2. Create investment portfolios that help focus on cost efficiency, tax efficiency and investment efficiency.

Our Core Investment Models

High Dividend Strategic Portfolio

Objective: Growth of principle with high dividend income. Rebalance based on target allcoations.

Broad Market Strategic Portfolio

Objective: Growth of principle similar to or better than broader stock market over time. Rebalance based on target allocations.

Broad Market Tactical Portfolio

Objective: Growth of principle similar to or better than broader stock while taking advantage of market conditions to enhance long-term performance.

Broad Market Tactical Balanced Portfolio

Objective: A balanced portfolio with growth of principle and income while taking advantage of market declines.

High Dividend Tactical Balanced Portfolio

Objective: A balanced portfolio with growth of principle and high dividend income while taking advantage of market declines.

Alternative Core Portfolio

Objective: Growth of principle with lower volatility and low correlation to the stock market and bond market.

Fixed Income Core Portfolio

Objective: Minimal growth of principle, fixed income with low volatility and lower correlation to the bond market.

Conservative to Aggressive

All portfolios are customized and based on each client's investment goals and objectives. The allocation between growth, income and alternative asset classes are based the objectives and risk of the client's investment account.

We offer value and experience.

Investment Advisor Using Calculator Stock Photo

Why

  • We strive to meet individual needs of each client. We do not follow a boilerplate investment portfolio based solely on risk tolerance or age, as many well-known investment firms might.
  • Our objective is to provide a solution to help clients meet their goals and objectives, whether they be growth with dividend income, income with minimal risk, market returns with lower volatility, or to beat the market and take advantage of opportunities.
Skyscrapers Stock Photo

What

  • We focus on an E3 philosophy for each investment portfolio. We strive for tax efficiency, cost efficiency and investment efficiency for our portfolios.
  • We emphasize on lower cost investment vehicles, such as ETFs, due to their low-cost structure. Our average portfolio is an approximate internal management fee of 0.26%, well below industry average. Most ETFs also provide our clients the tax efficiency that will help them keep more of what they earn. Some cases over 40% of realized gains can be lost to taxes for many investors. Investors have no control over mutual fund realized gains. We also strive to develop and produce value through a positive risk adjusted return for our client’s investment portfolios.
Investment Advisor Reviewing Financial Graph Stock Photo

How

  • We conduct extensive research with each mutual fund, exchange traded fund (ETF), and/or investment strategy before investing on behalf of our clients.
  • We evaluate the people, process, cost, trading, history, and management of all investment portfolios.
Investment Charts Stock Photo

When

  • All investment portfolios are assessed on a regular basis. Asset allocation, validity of holdings, and potential changes to the underlying strategy are evaluated.
  • Individual client portfolios are monitored for drift from their target asset allocation. All rebalances force a buy-low sell-high mentality. If asset classes produce high returns over time, the allocation will be rebalanced due to an over exposure. The result would force an allocation to underperforming asset classes to maintain a predetermined target allocation.

Meet the Chief Investment Officer:

Chief Investment Officer of PlanRock, Stephen Hammers, oversees the investment team which manages all investment model portfolios, research, rebalancing, asset allocation, and objectives of each model.
Mr. Hammers has 30 years of consulting, financial advisory, investment modeling and portfolio research experience.
He is the creator and founder of the NASDAQ Victory Volatility Weighted Indexes, Compass EMP Mutual Funds and ETFs, (now VictoryShares ETFs); and is a former portfolio manager and Chief Investment Officer and Chief Investment Strategist of 28 mutual funds and exchange traded funds.
Mr. Hammers has been a frequent contributor to the FOX Business Channel, CNBC Closing Bell Show, Wall Street Journal, Barons, and other investment media outlets. He has also rang the opening or closing bell on the New York Stock Exchange or NASDAQ exchange seven times.