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Create Model portfolios with different risk characteristics  Our models were developed consistent with the tenets of Modern Portfolio Theory, where multiple asset and sub-asset classes are combined to develop a more efficient portfolio based on specific volatility and expected return parameters. Through extensive research, we have developed five model portfolios that are spaced at equal intervals of risk.
Multi-Style Approach
We further diversify the portfolios within each broad asset class by utilizing up to 11 different mutual funds. Our investment team performs diligent research on over 2,000 funds seeking funds with specific profiles, each adhering to a different investment style. By efficiently combining these different styles, we are able to develop a portfolio based on the risk level that you have chosen. Click here for Manager Due Diligence.
Active Management within Portfolio Constraints
Investment strategies should not be developed in a vacuum. Markets change, asset styles go in and out of favor, and so a portfolio should adapt to the never-ending change that is synonymous with the market. That’s why we believe in active management, where allocations are altered in response to changing market conditions.
 Each ATManaged Allocation Portfolio was built based on established “neutral” or “normal” weights for each asset and sub-asset class with defined ranges around each neutral point. This allows for active positioning of each model portfolio without compromising its risk/return characteristics. Utilizing both internal and external models, the ATFinancial Advisor investment team analyzes a multitude of economic and market information to determine our over/under weight strategy. Implementation of all changes are reviewed and approved by the ATFinancial Advisor Investment Committee.
Low Cost Managers
There are many things that an investor can control. Although performance is not one of them, the cost of achieving that performance is. History has shown that the variations of performance among managers within a given investment style diminish over longer time periods. The higher the expense ratio the more difficult it is for a fund to outperform. We believe that our manager due diligence process gives us a greater probability of repeated success and funds with lower expenses are paramount to our process. We seek to build our model portfolios with third-party managed funds with investments cost equal to or less than one-half of the peer group average. Click here for Manager Due Diligence. | 
