We have a set of beliefs that have been forged by our experience as investors. All investors should expect the same level of attention. Transparency is one of the most important concepts in providing investment advice. Complexity is the enemy of most investors. Educating our clients helps us provide better service. Our performance goals should anticipate market changes, not react to them.

We Care About You

Shelter Cove Capital is determined to bring you the best returns at the least risk. No matter what level of assets or net worth, you want someone that worries about your money as much as you do. Our process is rooted in our desire to help you. The first step is to define your goals. Then we create a simple, transparent plan to get you there. Whether you are just starting out, have reached a point in life where you need to start thinking about the future or have a sizable nest egg and want to make sure that it’s there when you need it, Shelter Cove Capital has the experience to help.

Our Framework:

No question is too small:

It's your money; we hope that you want to understand your investment strategy. We want to make sure that you are comfortable with the strategy that we are suggesting so we will spend the time to answer your questions. Too often in the investment industry, advisors are not available or willing to explain what you are about to buy. That leads to you taking risks that you may not understand and that have the potential to expose you to losses beyond your capacity to accept.

Assess and Reassess:

Before recommending any investment or allocation, we will review what you currently own. If your investments make sense for your risk tolerance and return expectations, we will stop the process. We are not paid on the number or value of trades that you make. On the other hand, if we can create a portfolio that has better return characteristics with equal or less risk, we will work to get you invested properly. Once the investment decisions have been made, we do not walk away. Making money in the markets, especially during times of volatility, requires vigilance. We will keep a watchful eye on your portfolio and will discuss positioning quarterly or more frequently, if required.

Asset Allocation represents most of your returns:

There is a place for active portfolio management and we will use mutual funds if we think it will benefit you. However, it is difficult for most managers to beat the market on a consistent basis and similar return characteristics can usually be achieved at a lower cost using ETFs. Our process involves choosing the appropriate markets for you to invest in and making sure that you own the right securities in those markets. While we tend not to suggest individual stocks for ownership, we will make stock recommendations in isolated cases. We are growth oriented investors that seek to find markets, funds or stocks that have growth characteristics that exceed the broad US market.

Our Process:

Assess

We take inventory of your financial house. Oftentimes, investors have a general sense of their wealth but don’t know the details. Shelter Cove Capital will sit down with you and make a more precise determination of what you have and how uch you are going to need.

Define

We find out what your goals are and how much risk you are willing to accept. Through discussion, questioning and getting to know you, we find the right balance to get you to where you want to be.

Plan

We plan. First, we walk you through our model portfolios to find an option that fits your needs. These models, which are constructed to provide a solid risk/return trade-off at a low cost, work well for most clients. If the model portfolios are not exactly what you want or need, we begin customizing a plan using by adding assets to the mix. Once we have the right recipe, we put it into action.

Reassess

Once you are adequately invested, we keep a watchful eye over your assets. We discuss any changes in your situation and keep you up-to-date on the market and your investments.

We work with your professional network

This step is optional. We will work with your existing network of professionals (Attorney, CPA, etc...) to ensure that each aspect of your life fits well with your finances. If you don’t have a professional, we can advise you from our own network.