CSG Compass Portfolio Process

We believe that long-term investment success is achieved by combining a process that recommends what investment to buy, and when to buy, hold, or sell that investment. We make tactical adjustments to portfolios, using both fundamental and technical analysis. We believe that we can position client assets to participate in upward trending markets and objectively move out of investments that are poised to significantly decrease in value.
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We believe that a static buy, hold and rebalance strategy subjects portfolios to an unnecessary risk of losing significant value in extreme market conditions. Our process tells us when it is prudent to reduce risk and when it is time to protect your assets.

CSG Compass Portfolio Process - A Disciplined Approach to Navigating the Markets.

We are constantly working through a process for advisory accounts to:

1. Identify the strongest asset classes - not an on/off switch, but rather a dimmer to find proper balance between stocks, bonds and cash.

2. Recommend what are the strongest sectors within each asset class.

3. Purchase the strongest individual securities within each asset class. For an investment to make it into a portfolio, it must be 'high quality', recommended through a rigorous fundamental research process, and exhibiting 'upward price momentum' defined by technical analysis.

4. Review positions with objective indicators that determine when to buy, hold, sell, or replace a particular asset class, sector, or individual position.

Monitoring Your Personalized Investment Strategy

One of the keys to a well-planned and executed investment strategy is to align investment decisions with your financial plan. Your plan will recommend and establish an appropriate asset allocation, including stocks, bonds, and cash based on your goals, circumstances, and inputs that you have provided to us. Your time horizon — the time left until you plan to use your assets — and your risk tolerance (your personal feeling toward risk) are examples of inputs we consider when making recommendations to you.


Many factors impact decisions about your investment strategy over time, including life events such as health status, loss of income, job stability, marriage, the birth of a child, divorce, and the loss of a loved one. Market environmental factors also play a role in maintaining your target allocation over time.


  • A common mistake made by investors is failing to review or revisit their asset allocation over time, or after a change in circumstance. We can work with you to understand the unique factors in your life that influence your investment strategy.
  • We can establish an asset allocation that aligns with your goals and preferences.


We recommend that a financial plan be completed to consider all the factors that go into determining an asset allocation that is tailored to help you reach your financial goals. A financial plan will provide an in-depth look at your goals, current financial picture, and projected outlook for the future.


Choosing Between a Brokerage, Advisory Relationship, or Both


Depending on your financial needs and personal preferences, you may opt to engage in a brokerage relationship, an advisory relationship or a combination of both. Each time you open an account, we will make recommendations on which type of relationship is in your best interest based on the information you provide when you complete or update your client profile.


We are committed to delivering the highest quality advice and services to clients, and to making recommendations that are in your best interests. One such fundamental recommendation is whether to choose a brokerage relationship, an investment advisory relationship, or a combination of both. These important decisions are driven by your goals, needs, and preferences, and the costs associated with those services. Janney is registered as a broker-dealer and an investment adviser, which means that we can offer you both types of relationships. Which type of investment relationship is in your best interest? It’s important to first understand the differences.


Advisory Relationships

An advisory relationship offers you a more holistic relationship where Janney and your Financial Advisor are held to a fiduciary duty of care, which requires us to:

  • Act with utmost care and good faith toward you.
  • Seek best execution of transactions for you.
  • Avoid or disclose material conflicts of interest.


Rather than paying commissions for each transaction, you pay an asset-based fee which includes the delivery of advice and guidance, a defined investment strategy, as well as active monitoring of your investments. Advisory accounts are commonly referred to as “fee-based” relationships.


Brokerage Relationships

Brokerage relationships are more transactional in nature. Each time you decide to buy or sell securities within your account, you incur transaction costs commonly referred to as commissions. There is no ongoing monitoring of a brokerage account, although your Financial Advisor may generally review the holdings in your account when providing a recommendation to you. Janney provides custody of your assets, and executes securities transactions on your behalf.


We will make recommendations that are in your particular best interest based on your investment profile and that the potential risks, rewards, and costs associated with the recommendation.


Your Investment Profile:

  • Your age
  • Assets/investments
  • Financial situation and needs
  • Tax status
  • Investment objective
  • Investment experience
  • Investment time horizon
  • Liquidity needs
  • Risk tolerance


Contact us today to discuss your needs, and how investment management can help you achieve your goals.

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Contact us today to discuss how we can put a plan in place designed to help you reach your financial goals.