Tim Cummins

Rigel believes that superior investment returns begin by constructing diversified portfolios of stocks with excellent growth prospects at attractive valuations. Using a proprietary, multi-factor model, the firm ranks a universe of the largest U.S. stocks on select growth and valuation criteria such as earnings acceleration, earnings growth and relative price strength. They confirm the model's results by evaluating the highest-ranking issues. They look for three supporting qualities: a catalyst for positive change, competitive advantage and sustainability of earnings growth. Rigel performs fundamental and price/volume analysis on the names that remain after the confirmation process is complete. Based on their research, they construct a portfolio of reasonably priced stocks with the most dynamic earnings characteristics and price patterns. Major sectors have a maximum weight twice that of the S&P 500.

Sonata’s investment approach begins with an understanding of their client’s specific needs, goals, and investment preferences. With this foundation, they focus on the four controllable factors that drive long-term investment results: (1) Strategic Asset Allocation, (2) Broad Diversification, (3) Researched Assets and Manager Selection, and (4) Disciplined Rebalancing. In most cases, portfolios consist of broadly diversified market investments in US and International Equities, Fixed Income, and Cash equivalents.

Key Private Bank’s investment approach is based on the belief that asset allocation is one of the primary determinants of long-term investment results. The firm follows four steps: understand, plan, act, connect and reassess. They take time to understand the goals of each client, capturing all their financial objectives.

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