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.
We believe the best financial approach is the one that helps you pursue your goals. That's why, from the start, we talk about your aspirations and encourage you to ask questions about issues that matter most to you. Calculating how to manage future health care expenses? College on the horizon? Considering the sale of a business or purchase of a home? Preparing to pass your wealth to future generations? It all starts with a plan intended to help you manage, grow, and preserve your wealth today, while also considering the impact it can have for years to come. With access to the investment insights of Merrill and banking solutions from Bank of America, We will work with you to develop an approach designed to help address your financial needs.
CEPA®, CFA®, SE-AWMA™
CFP®, CPFA™, CPWA®
Bringing fresh perspectives to your financial life
The financial decisions you make today can help determine the future you build for yourself and your family. Carving a clear path forward starts with connecting your life and finances. A Merrill advisor provides access to the investing insights of Merrill and banking capabilities of Bank of America to help you make informed decisions as you pursue your goals.