Lowe fs Investment Process

At Lowe fs, our focus is equally on the potential preservation of your wealth and the achievement of potential returns.*

Our investment management philosophy is to add value by managing potential risk and diversify across a variety of investment strategies, asset classes and styles, and markets. We believe in educating our clients and protecting their assets as we would our own. We are our clients’ financial watchmen, delivering personal service and independent advice, and we do our best to take the complex and make it simple for our clients.

VP and COO Gregory Lowe, CFF on Lowe fs' proactive investment management approach.

1. Analyze. Through research, we evaluate the market and economy on a broad level. We also create a “Risk Budget” for each portfolio, taking into account each client’s personal situation and the appropriate level of risk for one’s total portfolio.

2. Diversify. Lowe fs merges our economic and market research with your personal Risk Budget to develop your target asset allocation. Core positions are generally held for longer periods of time and represent the foundation of your portfolio. Tactical positions are evaluated more frequently. The tactical portion of your portfolio is designed to complement the core positions by focusing on potential opportunities or potential risks.

3. Evaluate. Based on your core and tactical positions, along with our extensive research, we determine which manager is the best potential match for each target investment category within your given asset allocation.

4. Execute. Lowe fs considers any restrictions, tax issues, or other areas the client might wish to avoid, before we allocate the portfolio.

5. Confirm. Our management style is active. However, it is important to point out that activity does not equate to market timing or chasing returns. In fact, our approach to active management is to attampt to limit the downside in portfolios. Lowe fs implements a weekly, monthly and quarterly process to confirm, evaluate and adjust our strategies as appropriate.

6. Rebalance. The portfolio is reviewed and new or changing Risk Budget factors determined. Core positions are rebalanced, and we begin the process again.

*It is impossible to completely eliminate risk in any portfolio. Asset allocation can help to minimize certain types of risk, however you may still be subject to market risk, industry risk, sector risk and interest rate risks. Our goal is to help you manage risk in the manner that best matches your goals.