Each investor needs an investment plan that is consistent with their financial objectives, risk tolerance, time horizon, and liquidity concerns. It is important that we conduct detailed discussions to learn about these variables in order for us to create an appropriate allocation plan. We are also available to work with your legal counsel and CPA, which will enable us to implement the most beneficial strategy to compliment your estate and tax needs.

Titleist Asset Management, Ltd. uses three main strategies to describe our allocation models - Capital Preservation, Balanced, and Growth. Once we determine which category makes the most sense for your account, our management team will customize each allocation to meet your needs. We then create and manage a portfolio that will utilize the most appropriate investments to ensure your account is working in an efficient and effective manner. Regular meetings are encouraged to discuss any personal or business changes that would require any
adjustments to your current investments.

Capital Preservation

Our capital preservation model employs a maturity investment strategy ranging from short-term to intermediate. This model emphasizes preservation of capital, low volatility, and fairly predictable returns. Portfolios will consist of mostly fixed income investments with maturities ranging from 3 months to 10 years and will use various laddering methods. Allocations will consist primarily of treasuries, government agency securities, municipal bonds, and investment grade corporate bonds. In some cases a small percentage will be allocated towards preferred stock, convertible bonds, high yield bonds, and equities depending on market conditions.

Balanced

Our balanced strategy seeks stability by investing assets in stable value offerings that are designed to provide a level of protection of principal and stability of returns. Our investment strategy ranges from intermediate to long-term and is designed to achieve returns that are competitive against the relevant benchmark. The primary investment objective is income followed by capital appreciation. Assets will be invested in a portfolio of treasuries, government agency securities, municipal bonds, corporate bonds, preferred stock, convertible bonds, and equities. We actively manage and reallocate to ensure we are receiving optimum returns. Our balanced strategy typically has a higher allocation in corporate bonds, preferred stock, and equities.

Growth

Our growth strategy seeks to provide higher returns by investing primarily in equities, corporate bonds, preferred stock, alternatives, and derivatives. This strategy has a significantly higher equity allocation and is designed to achieve superior long term returns. Investments will be well diversified among several sectors with rotation dependent upon both fundamental analysis and economic research. Derivatives are used primarily as a downside hedge or to obtain more leverage in the short-term.