At The Stern Gavin Group, every member of our team is dedicated to helping people achieve their financial goals. Our advice platform takes the form of a “three bucket” strategy, which enables us to tailor our recommendations and decisions to each client’s individual financial goals. The buckets we selectively fill are “fixed income", “growth", and “hedge".

Fixed income refers to holdings which generate predictable returns. Returns of this type serve as a base for many clients, providing a degree of stability to portfolio composition. As clients’ objectives become more conservative, the fixed income bucket can be filled higher to deliver consistency to their portfolio.

The growth bucket is, by nature, the most speculative of the three buckets. Here, The Stern Gavin Group conducts extensive research, identifying the stocks, as well as other growth vehicles that we believe will provide the most return given clients time frame and risk patterns.

Finally, the hedge bucket provides a necessary counterbalance to growth, mitigating risk and stabilizing returns. We utilize a variety of methods to offset volatility in the market place, while helping clients achieve reasonable risk adjusted returns.

Our objective is to balance the buckets in coordination with each client’s unique financial goals.