What Makes Us Different – Attitude

Attitude (at-i-tood) 1) An approach to or mind-set. A way of thinking.

Five distinct tenets define our investment attitude and differentiate HarmonyAM from other managers.

1. First and foremost, HarmonyAM is a wealth manager. The critical difference between wealth management and money management is the use of multiple asset classes – we seek to make clients money using the most appropriate combination of asset classes. Depending on client suitability, goals and risk parameters, portfolio asset classes may include equities, fixed income securities, private investments, real estate, or commodities. This philosophy allows us to reduce portfolio risk by utilizing investments with low relative correlation, something managers that only invest in stocks or bonds cannot achieve. This attitude allows us to concentrate on identifying superior investments with the highest potential reward relative to risk as we are not beholden to any one asset class.
2. HarmonyAM is a Wealth Advisor. We help our clients with issues that effect their businesses or personal net worth such as benefit issues, capital raises and estate planning issues.
3. Portfolio Customization. Clients have individual goals, risk parameters and needs which require customized portfolios developed specifically for their situations. The weakness of a mutual fund is the generalized nature of the goals and risk parameters, and the necessity for the investor to ascertain the suitability of the investment relative to their own situation, rather than the reverse.
4. We utilize focused portfolio. An extensive number of holdings in a portfolio are an impediment, not a benefit to investor returns.
5. We are absolute return investors. Tying one’s goals to an arbitrary index is illogical and unproductive. Client target returns are set based on their long term goals. This way, achieving the target assures we achieve client goals.