Create Model portfolios with different risk characteristics.
 We have developed a series of model portfolios spaced at equal intervals of risk where multiple asset and sub-asset classes are combined to develop more efficient portfolios. This broad allocation structure is the foundation of all of our multi-disciplined investment strategies and provides the framework for the ATManaged Overlay process.
Manager Models, a low cost alternative
History has shown that the variations of performance among managers within a given investment style diminish over longer time periods. The more expensive an investment is, the less likely it is to outperform. Instead of investing in a set of separate account managers’ portfolios, we buy their investment models, their intellectual capital if you will, at a cost that is most often less than the manager’s typical fee schedule for managing the money them self. We then, as fiduciary, implement investment changes just as they would, while easily incorporating any client level trading considerations into the process. We also offer the flexibility of building an overlay portfolio with third-party manager models, ATManaged Securities Portfolio, Exchange Trades Funds (ETF) or a combination of all.
Our manager due diligence process seeks out managers who have shown a history of outperformance within their investment style. We analyze the process, the people, and the philosophy to determine if the historical performance is reflective of the same. The goal of our due diligence process is to ultimately identify managers that not only have an attractive track record, but also identify managers that are likely to repeat their successs. Click here for Manager Due Diligence
Develop Portfolio down the core
 One of the objectives for our overlay portfolios is to achieve full diversification with a manageable number of individual securities. This mentality allows us to adhere to our philosophy of active management at low cost by minimizing trading costs. It also helps to reduce reporting and administrative complexity (gain/loss info., transaction volume, etc), which you or your accountant may enjoy at tax time. We build out our portfolios by utilizing a core investment strategy rather than by striking a balance of growth and value. We feel that we accomplish the same objective, but with fewer individual securities. By also allowing the manager some latitude in the active management, we believe that we have built a more efficient and cost effective portfolio than traditional SMA modeled strategies.
Actively manage the mix
Due to the endless volatility of the markets and the dramatic swings in market leadership, it’s important that a portfolio adapt to cyclical and secular market trends to minimize risk and maximize returns.
 Each ATManaged Overlay Portfolio was built based on established “neutral” or “normal” weights for each broad asset class. This provides us with a baseline asset mix for each model and allows us a working framework to make tactical allocation shifts for each portfolio. In order to maintain the integrity of our model portfolios we have defined ranges around each neutral point. This allows for active positioning of each model portfolio without compromising its risk/return characteristics.
By utilizing both internal and external research models, the ATFinancial Advisors investment team establishes the strategy for over/under weighting market capitalization (Large Cap, Mid Cap, etc), investment style (Growth, Value), and asset class (Stocks, Bonds, Cash). This strategy is reviewed at the ATFinancial Advisors Investment Committee meetings and adjusted as appropriate based on current market conditions and trends.
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