Active Management at Low Cost

As the debate continues on active versus passive management, of pursuing alpha versus index investing at minimal cost, we have developed an approach that we feel takes advantage of both philosophies. We seek to add value through active management at a cost that is less than traditional separately managed accounts (SMA) and mutual fund model portfolios. We believe that over the long run, disciplined active asset selection and asset class rotation provide the opportunity for added performance compared to index investing. At the same time, we recognize that costs play a significant role in the overall return of a portfolio, so we focus on finding high quality, low expense investment vehicles to use in all of our strategies.

A Heritage of Wealth Management

In recent years fee-based investment management is increasingly in vogue, driving many advisory start-ups and crossovers from brokerage platforms. In this ballooning start-up environment, it’s important to select an investment firm with a track record of performing through many historical market conditions.

ATFinancial Advisors was formed by a privately owned and family-oriented organization, ATBancorp, who, through its affiliates, has compiled a 75 year track record of servicing high net worth and institutional clients.  As a specialized investment division of a $1.3 billion wealth management company, we are able to provide innovative investment products with the personalized service inherent to traditional wealth management firms.  Our strategies are executed and delivered by an experienced team of investment professionals who average 20 years of personal industry experience.  Because of our private ownership, we can focus solely on what we do best: managing money and providing comprehensive, unbiased investment advice to our clients.  Our philosophy can remain consistent, our service uninterrupted, and our pricing fair.

Single Source Provider

Many firms offer proprietary investment strategies and many provide third-party manager solutions. We, however, have decided to provide both on the same platform. Our unique approach to managing money combines our strength in managing core investment products with our expertise in conducting manager due diligence to provide a suite of multi-style investment solutions that transcend traditional product offerings. These include:

• Mutual Fund Model Portfolios
• Single strategy portfolios (Large-cap, Mid-cap, Multi-cap, and Fixed Income)
• Multi-strategy portfolios utilizing third party manager models
• Hybrid portfolios (Our single strategy portfolios + third party portfolios)

A Culture of Innovation

While we have a distinguished history, we are not trapped in the past or the conventional.  We are continually innovating portfolio management strategies -- and refining our existing strategies -- to generate greater alpha or lower costs.  Our unique approach to our own equity strategies, focusing on companies adding “economic value,” allows us to look at the market differently and avoid the many traps traditional to Wall Street.  We have also created a cost-saving approach to investing in third party managers-- our ATManaged Overlay Portfolios -- where we contract only for the investment advice of third-party investment managers, and keep control over all client assets and trading.  These are just two simple, but effective, examples of efficient execution of ideas that are outside conventional solutions, all in the search of better alpha and lower cost.

A Consultative Approach

ATFinancial Advisor’s service philosophy is deeply rooted in the long tradition of high net worth relationship management. Clients and client advisors receive close personal attention through one primary point of contact: their Relationship Manager. We believe that this dedicated and interactive approach to building relationships allows us to better understand our clients’ unique situation which, in turn, provides us with the means to continually enhance our service delivery and investment solutions. Ultimately, we want our clients’ experience with us to be simple, unique, and highly rewarding.

Transparency and Integrity

We are committed to full disclosure, integrity of process, and keeping our clients informed of the activity within their accounts and investment portfolios.  So, before we add any investment vehicle (individual security, mutual fund, manager model, etc) to our investment solutions, we conduct extensive research and due diligence to be assured of full transparency of all fees and underlying holdings.  Clients and advisors are then able to monitor all aspects of portfolio pricing, holdings and investment performance by visiting our online web portal or by reviewing quarterly generated reports.