Investment Portfolio Management

Portfolio Management for Business Retirement Plans & Individuals

From your taxable investment portfolio, IRA or 401(k), your investment portfolio should be a reflection of your goals, desires and interests. At Kerr Wealth Management we make it a point to help you figure that out with our high-touch relationship. Our portfolio management process begins with our in depth discovery process to help insure you can meet your goals, invest in things you like and while educating you about your investment options. If your interested in developing a pure stock portfolio with your favorite companies or the next generation of AI and microchip companies, we can do that. If your interested in developing a low cost ETF portfolio we can do that. If your completely new to investing and just need help getting started without pesky account minimums, we can do that too.  

At Kerr Wealth Management we have an open architecture investment platform which means we have access to stocks, bonds, CD's, ETF's mutual funds and more. It also means we have the capabilities to design and manage portfolios like large institutional fund managers but at a potentially lower cost to you. 

Our Emphasis Is Your Victory

What does that mean?

It means we keep costs low, keep it simple and it has to make sense for you. By eliminating unnecessary layers like broker dealers, insurance companies and unnecessarily high cost mutual fund products we strive to make your investment experience customized, lean and mean. 

Our Investment Capabilities

Kerr Wealth Management uses a multifaceted approach to investment management.  

Behavioral Coaching

A critical benefit of working with a trusted advisor is having someone to help clients understand the impact financial decisions can have on their long term portfolio. At Kerr Wealth Management we regularly coach our clients through various stock market cycles and life decisions in effort to help them reach their life time financial goals.

Tax Management

Its no secret that taxes can have a substantial negative impact on your portfolio performance. It's not what you earn but what you keep. To achieve superior returns we work closely with our clients to ensure strategies are implemented to preserve their estate and tax planning needs and investment return goals. Studies show that proper investment tax management can preserve up to 1% per year.

Factor Exposures & Fundamentals

Factor investing is an investment approach that involves targeting specific drivers of return across asset classes. There are two main types of factors: macroeconomic and style. Investing in factors can help improve portfolio outcomes, reduce volatility and enhance diversification. At Kerr Wealth Management we focus on strategic asset allocation to low cost factor assets as well as individual stock investing in effort to try and achieve extra yield.

Systematic Rebalancing

Rebalancing is the process of realigning the weightings of a portfolio of assets. Rebalancing involves periodically buying or selling assets in a portfolio to maintain an original desired level of asset allocation. Systematic reblancing helps prevent the emotional aspect of investing and helps us buy low and sell high.

Managing Downside Risk

Simple terms: Many of our clients want to protect their portfolio while earning moderate gains. To achieve this objective, we use a few investment approaches and strive to design a portfolio model that makes sense for you.

Less simple terms: We may use multi factor or smart beta ETF's, stocks and the occasional no load mutual fund. A portion of our portfolios may hold multi-factor or smart beta funds through BlackRock, Franklin Templeton or John Hancock. Multi-factor funds can help manage various factors including downside risk. Doing so might give up slight "upside" performance during a bull market. However, trying to time the ups and downs of the stock market can be difficult or costly.

Our investment goal - remain properly diversified and manage risk according to your goals.

Expense Management

Many investors are faced with exorbitant fund fees and or commission charges by their stock broker or fund company, which we believe to be positively correlated with negative yields. 

We are fee only, which means we do not earn commissions when we place trades and it also means we do not sell investment products. Our belief, if investors know what they are paying and paying for, then they will have more confidence in the stock and bond markets.

Portfolio Design & Diversification

Our investment portfolios aim to reduce the confusion of how to allocate your investment portfolio. 

  • We help you build your personalized investment policy statement.
  • Choose between ETF's or no load Mutual Funds. 
  • For the riskier investor, you may choose to have individual stocks in your account.
  • We re-balance quarterly or as needed.
  • Meet with your personal investment advisor as needed. (in person, web conference or other virtual methods).

We can help you build a portfolio for any stage of life including:

  • College savings.
  • Retirement income.
  • Growing your nest egg.
  • Preserving your inheritance.

How Do We Manage Portfolios?

Managing your investment or retirement portfolio or trying to keep up with market trends can be a headache. At Blosser Harrison we offer discretionary solutions that help get rid of the guess work.

What does discretionary mean?

  • It means we take on the challenge of choosing investments and making investment decisions for you. It also means we do not make commissions when we buy, sell or trade.
  • We provide discretionary portfolio management for individuals, businesses and pension plans.
  • For pension plans and 401(k) we offer both 3(21) and 3(38) investment advisory services.

What type of funds or investments do we use?

Our investment approach is a blend of smart beta factors, sector rotation and diversification. Our analysis process incorporates both fundamental analysis, asset allocation and fund screens.

  • 401(k) and Pension Plans: For qualified plans we may use ETF's and no load mutual funds.
  • Individual Retirement Accounts: For retirement accounts we may use multi factor ETF's and no load mutual fund.
  • Individual Investment Accounts: For investment accounts we may blend individual stocks and multi factor ETF's and no load mutual funds.

We Dont Chase The Benchmarks

It is very common for investment managers to use or compare to a benchmark, such as the S&P 500 Index or the Russel 3000. This, however, is not how our performance is measured. Our objective is to reach a targeted rate of return for you, based on your specific financial needs, risk tolerance and the investment policy statement that we design with you. Attempting to minimize performance deviation form a benchmark does not necessarily help you achieve your investment goals, especially when a benchmark drops as they tend to do from time to time.

Kerr Wealth Management manages assets for

401(k) Plans, Pension Plans, Profit Share Plans, SEP IRA's & SIMPLE Plans

Trusts & Estates

Individual Investors (IRA, ROTH IRA, Joint Accounts, Custodian Accounts and more

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