A Forward-Thinking Approach to Investment Management
Our investment process relies on the science and mathematics behind technical analysis and then layers on data from our fundamental research to provide insight into all investment decision-making. PIM Portfolio Manager, Howard Adler’s proprietary algorithms have been continually honed for over thirty years. Howard’s knowledge and skill guides our investment buy and sell discipline.
The combination of fundamental and technical techniques helps to reduce investment risk and enhance your potential for wealth.
"Patience, a long-term focus, and avoiding the fads are key for successful investing." - Steve Romick
Private Investment Management (PIM) Program
As an advisor managed account, your investment portfolio is personally tailored by our portfolio managers and based on your risk tolerance, investment goals and financial priorities. Your portfolio may include a mix of cash, stocks, bonds, mutual funds, option strategies and exchange-traded funds. Learn More
“People who succeed in the stock market also accept periodic losses, setbacks, and unexpected occurrences. Calamitous drops do not scare them out of the game.” - Peter Lynch
Exchange-Traded Fund (ETF) Growth Strategy
To provide clients with access to the tailored, actively managed portfolios seeking growth opportunities that can help them meet their savings goals, Zalayet, Adler & Suba Private Wealth Management Group has developed an Exchange-Traded Fund (ETF) Growth Strategy. The ETF portfolios help to diversify your portfolio using ETFs. Learn More
“Do not put all your eggs in one basket.” - Warren Buffet
California Municipal Bond Income Investment Strategy
The California Municipal Bond Investment Strategy focuses on credits of municipalities in California with the aim of providing investors income exempt from federal income tax and California income tax while simultaneously managing the preservation of your capital. This strategy may offer diversification and serve as a hedge against volatility in other asset classes like stocks and real estate, especially in times of deflation or economic uncertainty. We believe California municipal bonds can provide a steady source of income and potentially produce capital gains. Learn More
Long-Term Growth Strategy
The portfolio allocation of the Long-Term Growth Strategy varies based on your unique savings goals. For example, Zalayet, Adler & Suba Private Wealth Management Group’s portfolio manager may recommend up to a 30% allocation for investors who are in or nearing retirement, while an 80% allocation may be more appropriate for an investor who’s starting a college fund for a new baby. Assets are typically invested in stock mutual funds and in bond mutual funds or cash/cash alternatives. These proportions may increase or decrease based on market conditions. The Strategy seeks to manage excess risk in two ways: through careful selection of fund managers and market-driven asset allocation. Learn More
"Be patient. A watched stock never boils." - Peter Lynch
Dividend Growth and Income Strategy
History has shown that investing in stocks of high-quality companies over long periods of time has been a successful strategy to help investors build wealth over time. Receiving cash dividends up to four times a year with the prospect of dividend increases at least once a year from a properly diversified portfolio should help investors get in and stay in the market to participate in the wealth building potential of the stock market, even in uncertain and volatile times. The Dividend Growth and Income strategy emphasizes owning pieces of what we feel are great businesses, many of which sell products or services that we know and patronize, and that have the potential to pay growing dividends while waiting for stock prices to reflect the direction of earnings (and dividends) over the long term. Learn More
“Do you know the only thing that gives me pleasure? It's to see my dividends coming in.” - John D. Rockefeller
Hedging Strategies
Hedging is like having insurance. Typically, we use option hedging strategies to help protect your portfolio from risks associated with unfavorable price changes due to asset or market volatility. Hedging may be used to balance and diversify a portfolio with concentrated stock positions.
“Risk comes from not knowing what you are doing.” - Warren Buffet
Active Covered Calls Strategy
“Successful investing is about managing risk, not avoiding it.” - Benjamin Graham
Sustainable & Responsible Investing
Socially Responsible Investing (SRI) focuses on integrating environmental, social and corporate governance (ESG) considerations into our investment analysis. Our team studies new technologies, trends and developments in the Sustainable investing landscape to identify new opportunities overseen by Berit Suba, Chartered SRI Counselor™
"The person who starts simply with the idea of getting rich won't succeed; you must have a larger ambition." - John D. Rockefeller
Your Financial Advisor discusses your values and the causes most important to you. Our strategy aims to match important personal values and goals to social, sustainable and responsible investments that work to bring about positive global change. Learn More
Investment Management disclosures:
Asset allocation and diversification cannot eliminate the risk of fluctuating prices and uncertain returns nor can they guarantee profit or protect against loss in declining markets.
Dividends are not guaranteed and are subject to change or elimination.
Past performance is not indicative of future results, and there is no assurance that any investment strategy will be successful. All investing involves risk, including the possible loss of principal.
Bloomberg Barclays US Aggregate Bond Index is a broad-based flagship benchmark that measures the investment grade, US dollar-denominated, fixed- rate taxable bond market. The index includes Treasuries, government-related and corporate securities, MBS (agency fixed-rate and hybrid ARM pass- throughs), ABS and CMBS (agency and non-agency).
Investing in fixed income securities involves certain risks such as market risk if sold prior to maturity and credit risk especially if investing in high yield bonds, which have lower ratings and are subject to greater volatility. All fixed income investments may be worth less than original cost upon redemption or maturity. Bond prices fluctuate inversely to changes in interest rates. Therefore, a general rise in interest rates can result in the decline of the value of your investment. Income from municipal securities is generally free from federal taxes and state taxes for residents of the issuing state. While the interest income is tax-free, capital gains, if any, will be subject to taxes. Income for some investors may be subject to the federal Alternative Minimum Tax (AMT).
As each Private Investment Management (PIM®) program account is individually managed, construction and ongoing management of portfolios may vary from those discussed in this Philosophy Statement. The PIM program is not designed for excessively traded or inactive accounts and may not be suitable for all investors. Please carefully review the Wells Fargo Advisors advisory disclosure document for a full description of our services. The minimum account size for this program is $50,000. Since no one investment program is suitable for all types of investors, this information is provided for informational purposes only. You should review your investment objectives, risk tolerance and liquidity needs before selecting a suitable investment program.
Stocks offer long-term growth potential but may fluctuate more and provide less current income than other investments. An investment in the stock market should be made with an understanding of the risks associated with common stocks, including market fluctuations.
Mutual 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 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.
Supporting documentation for any claims, comparison, recommendations, statistics or other technical data will be supplied upon request.
Because of the importance of tax considerations to all options transactions, investors considering options should consult with their tax advisor to evaluate how taxes can affect the outcome of contemplated options transactions.