We Grow When You Grow

As a fiduciary fee-based advisor, we derive our income from an advisory fee, a sliding scale percentage, based on the size of your managed account.

Our Five Step Process

Kraematon Investement Advisor's focused and disiplined approached to growing and managing investment assets can best be explained by following Fi-ve Step Process that we diligently apply to each client's unique financial situation.

Analyze the Current Situation

The first step in charting your financial is to organize you financial data and assess current and long-term goals and objectives. Kraematon evaluates your current portfolio, cash flow requirements, investment assets, and liabilities to determine the parameters in which financial goals will be achieved. This concentrated information gives us the basis to determine your risk/ return profile. This step includes the consolidation and organization of your present investments. Consolidation can create a clearer picture of your investments, greater control and help reduce fees.

Step 1

Tailoring an Individulized Investment Policy Statement

We create an Investment Policy Statement (IPS) based on your unique situation that includes the following:

Investment Objectives and Goals
Risk Management
Time Horizon
Liquidity Needs
Tax Considerations
Unique Circumstances

The Investment Policy Statement becomes the blueprint from which investment decisions are made. The IPS is reviewed and adjusted during our client reviews.

Step 2

Design the Optimal Portfolio

Finding potential growth opportunities is a major part of our expertise, and because we are fee-based, the advice you get is always objective and in your best interest. Research has shown that an overwhelming determinant of investment performance is the asset allocation decision. We will invest in a broad rand of investment alternatives to maximize portfolio return and reduce risk through diversification.

Step 3

Implement the Investment Plan

We create or rebalance our client's portfolio according to the guidelines set forth in the Investment Policy Statement (IPS). This step controls investment risk by implementing sell discipline strategies. Our sell discipline is based on the following factors: extreme valuation, falling margins, declining earnings estimates, poor growth prospects, or a changing competitve environment.

Step 4

Providing Ongoing Management and Review

To maintain consistent progress toward the achievement of our client's financial goals, Kraematon provides ongoing monitoring and supervision of investment porfolios. As your advisor, we monitor the relative value of the asset classes in your portfolio to make certain they continue to reflect your appropriate risk/ reward level based on the Investment Policy Statement.