Portfolio Management Program

Portfolio Management

The Ulin & Co. Strategic Portfolio Management (SPM) Program provides an open-architecture, “fee-based” approach that takes the emotion out of investing.

This program is customized and managed by your financial advisor while driven by your unique financial goals and risk tolerance. Our firm partners with Charles Schwab and Fidelity to provide dynamic service in asset custody and management, backed by a fiduciary standard. 

Our process-driven, time-tested investment program allows you to focus on a sound, repeatable investment process, and its results, not commissions. Since annual fees are based on total assets under management, our compensation is tied directly to the value of your accounts, thereby helping to reduce any conflicts of interest. Still, there is no “one-size-fits-all’ solution. Your age, financial goals, account type and feelings about risk all help to mandate your selected models and our work together.

Providing consistent, concierge-level service and 24/7 access to our team members while managing your expectations is as important to us as managing wealth. We provide clients with quarterly in person, zoom or phone checkup meetings with straightforward, comprehendible illustrations and summary letters to help benchmark and track their progress. 

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How we charge:

Our firm provides a competitive “tiered” fee management schedule based on your total account value. Your advisory fee is assessed over the course of the year in monthly increments. Working as fee-based advisors allows us to offer objective financial advice while aligning our goals with that of our clients; growing their wealth.

Through our fee-only program, we are able to adjust your investment portfolio without requiring you to pay any additional commissions regardless of the number of trades placed on your behalf. 

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Our Strategic Portfolio Management Strategies: (SPM)

Ulin & Co. provides a dynamic-strategic “model-driven” approach to wealth management. Our select lineup of sophisticated “all-weather” portfolios are built around low cost, no-load ETF’s and mutual funds while investing across multiple bond, stock and alternative asset classes. Through our diligent research, the investments in each of our models are tracked, tested and reviewed each month. The results then flow into our models that include quarterly optimization and rebalancing as warranted.

We are continuously monitoring the global investment landscape to help identify strategic, tactical, technical and fundamental trends to deploy with our “four oars in the water” approach as economic cycles change over time. 

 Guided by four tenants: research, performance, transparency and service, our team is committed to delivering to our clients on all four through objective advice, actionable investment guidance, timely economic and market perspectives and visibility into our process.

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Investment Due Diligence

With closely integrated research, trading and portfolio management oversight, we constantly monitor risk/reward relationships across sectors to identify attractive investment opportunities and implement our early sell discipline when appropriate,

According to the Global Industry Classification Standard (GICS) there are 11 stock market sectors, 24 industry groups, 69 industries and 158 sub-industries into which all major public companies are categorized. Within an asset class, there can be multiple styles and variations, each of which can act differently in a given market condition. Our investment team focuses on finding investments and managers that best represent each sub-style within an asset class.

Even the best sub-style manager may underperform when market conditions cause their sub-style to be out of favor. Therefore, we also try and find “all-weather” managers and investments. These managers typically do not have dramatic outperformance or underperformance in any market condition – instead they post more consistent returns.

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Portfolio Management Oversight

Ulin & Co. will trade and rebalance your accounts and handle operational tasks such as investing contributions and freeing up cash for any requested withdrawals and or Required Minimum Distributions. Each of our strategic portfolio models and underlying holdings are monitored monthly while rebalanced and reoptimized according to specific metrics.

Rebalancing Guidelines: Portfolios will be periodically rebalanced throughout the year as warranted. Each underlying investment will be compared with their related benchmark as well as related peer group funds. We execute both qualitative and quantitative analysis of each position while incorporating the “Five Pillars” of Morningstar’s tools and research of (1) Process (2) Performance (3) People (4) Parent & (5) Price.

Trade rationale may include strategies:
*To bring your allocation weightings closer to your target allocation.
*To help enhance performance and or to help reduce risk.
*To incorporate market forecasts and trends.
*To align your allocation to revised personal goals or timeframe.
*To revise or eliminate a holding due to a recent change in a fund manager.

Retirement Paycheck

Retirement can be a wonderful time and a milestone many people are excited to reach. Without the right planning It can also be a time of great stress and uncertainty coping with the daily tasks and challenges of maintaining your health, household budget, family and investments through your 70’s, 80’s and 90’s.  A top concern for many retirees is keeping up with the cost of living (COLA) and not outliving their nest-egg. Typical “rules of thumb” for portfolio income do not account for new economic realities of today’s historic inflation and rising interest rates combined with immense market volatility.

Whether you are seeking growth before retirement, or tax efficient income, moderate growth and capital preservation through your golden years, we can help you to implement a “three-bucket” retirement paycheck strategy between your (1) cash reserves (2) taxable accounts & trusts and your (3) IRA’s while deploying a customized wealth management plan that fits your goals and risk tolerance.  Most important, we will continue to meet with you quarterly while continually managing and monitoring your portfolio and plan. 

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Call Jon Ulin, CFP®, CEO today at (561) 210-7887 or email jon.ulin@ulinwealth.com to register for your no-obligation portfolio stress test and retirement review.