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Serving Investors Across the U.S.

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800.563.1708

Core Beliefs & Principles

 

Primary Core Beliefs

Our firm, including the Investment Team, operates with a set of disciplined core beliefs that dictate every action we take on behalf of our Clients. The following paragraphs illustrate a few of those key beliefs that are central to our asset management practices.

Long Term Focus

Lifetime Income Store Advisors (LISA) believes that an actively managed diversified portfolio of multiple asset classes can deliver better risk-adjusted, long-term, performance than other investment styles such as mutual funds, ETF managers, and managers of managers.

Portfolio Efficiency for All

LISA believes that individuals should have access to the multi-asset class style used by large foundations and endowments, without the side effects of higher fees, higher volatility, low liquidity, no customization, and poor tax efficiency.

Low Downside Capture

LISA believes that low downside capture is the most important ingredient for long-term gains. Many money managers have the ability to generate earnings when the markets are in a positive trend. We believe the true challenge, and the way to maximize returns, is to outperform the markets when volatility creates dips.

 

Primary Core Investing Principles

Our base portfolio strategies are available to a variety of Investors, and can be tailored to meet virtually any objective, risk tolerance, and timeline. LISA's Investment Team strictly adheres to these core principles to build and manage your portfolio:

Fundamental Investing

Your assets are managed in an Institutional style similar to that practiced by large foundations and endowments. This highly disciplined,time-tested, method is based on sound economic theory and comprehensive analyticals that seeks the development of repeatable results.

Unique Diversification

LISA's Money Managers utilize a sophisticated portfolio diversification method that incorporates a significant number of market classes within a given portfolio. The purpose of the diversification strategy is to maintain maximum liquidity which provides the greatest opportunity to outperform market corrections of 10%, and again at 20%.

Customized Investment Policy Guideline

Following CFA Institute guidelines, your Portfolio Counselor and our Investment Management team create a customized Investment Policy Guideline (IPG) suited to your individual needs. The IPG includes information obtained during meetings, along with permitted ranges and targets for each actively managed LISA asset class. The IPG confirms you and the Investment Team agree on the proper asset allocation and variables. Once the IPG is signed by you and a member of our investment team, the portfolio construction begins. Depending on market conditions in each asset class, along with capital gains considerations, your portfolio will be typically constructed over the course of four months. Your portfolio is built to your customized IPG.

Active Management

Each asset class in your portfolio will be actively managed and allocated within your IPG asset class ranges. Asset class allocation changes will be made per the Investment Team’s fundamental and valuation outlook for the asset class.

In-House Management

All operational facets of our asset management process are handled in-house by members of LISA's Investment Team. This practice creates consistency, cost efficiencies, and maximum control of all decision making, and allows for singular accountability, and lower fees. We do not utilize outside research, fund managers, or managers of managers.We never use 3rd party mutual funds in a Client portfolio.