Ellen Fishwick Martin

DGK is a balanced portfolio manager. Their portfolios typically have some representation in common stocks, fixed-income obligations and short-term cash reserves. The specific allocation is determined and revised through ongoing review of a client's objectives and circumstances as well as the firm's assessment of the current investment climate. Their analysis and selection of fixed-income investments focus on investment grade, short- to intermediate-term government, municipal and corporate bonds depending on the after-tax yield for the specific client. They generally avoid long-term bonds because of their volatility and unsatisfactory returns when weighed against relative risk. For short-term cash reserves, DGK normally uses Treasury bills and money market funds, although they may also consider commercial paper or certificates of deposit if advantageously priced. The firm invests in domestic exchange-traded or over-the-counter stocks or warrants as well as in stocks of foreign issuers. Their universe of stocks ranges from large, recognized firms to many small- and medium-sized growth oriented companies. They primarily utilize individual securities, although from time to time DGK invests in mutual funds in order to obtain representation in particular areas of investment where they feel there are limitations posed by individual securities.

CCTC seeks to generate attractive returns relative to appropriate benchmarks over a full market and business cycle. The firm employs conventional methods of selecting securities including fundamental research, technical analysis and cyclical timing. They do not focus on the typical categorizations of value/growth, small/mid/large capitalization, and domestic/international. Instead, CCTC diversifies portfolios by concentrating on sectors and their underlying industries.

Functions as a College/University

National Commercial Banks

Functions as a College/University