Investment Management Philosophy
Albion applies a thoughtful blend of company-specific research,
macroeconomic analysis, and global trend identification
to seek out companies and industries that are most likely
to prosper in the years ahead. Our consistent approach includes
the discipline and courage to adjust to changing market
conditions. We look at our balances in the context of current
and future economic environment from two perspectives: return
potential and risk exposure.
Over time the only consistent correlation in equity investing
is that consistently growing earnings leads to an appreciating
stock price. Our equity research is directed toward uncovering
those companies where there is a high likelihood of consistent
earnings growth. We invest in sufficient stocks to allow
for adequate diversification to reduce volatility, yet few
enough stocks to be sure client portfolios benefit from
our research efforts.
Perhaps the most critical decision we must make on behalf
of each client is in regard to his or her overall asset
allocation. We regularly review each portfolio's balance
of stocks, fixed income and cash. Furthermore, we routinely
scrutinize the mix of positions within each asset class.
Financial Advising Philosophy
The professionals at Albion Financial Group are well versed
in the discipline of financial planning. We understand the
mathematics, the tax implications, and the regulatory and
legal environment. These skills provide the foundation for
the core of our financial advising process. We add tremendous
value for our clients by helping them understand the assumptions
that must be made, the sensitivity the specific plan has
to these assumptions, and the appropriate assumptions to
use as we create a plan for their future.
Financial advising is about mathematics and emotion. The
mathematics, though occasionally complex, are straightforward.
However the emotional component is often not so clear, but
is equally important. Every client must be comfortable with
their plan if they wish it to be implemented and followed
to success.
Therefore, the core of our planning philosophy is to use
our tools, knowledge and experience to help all our clients
achieve the goals they value most, maximizing the likelihood
that each client will achieve financial stability. We approach
each client with an open mind, listen to the client's needs,
and then advise within the client's individualized context.
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