Wealth Management

SagePoint’s integrated Wealth Management platform offers a fee-based program in which a select group of highly qualified Investment Advisor Representatives manage equity, balanced, or fixed-income portfolios for clients on a discretionary basis.

Many of Alan Toth’s clients—seeking greater discipline and focus in their core investments—turn to him as a Wealth Manager for direction and individualized service. His conservative investment approach, using personally selected stocks and bonds, provides a consistent, focused program that few individuals have the time or experience to implement for themselves.  Alan incorporates over 40 years of investing experience and never-ending education and constant research to manage his client’s portfolios. 

Although he makes every decision on his own, Alan is always happy to consider a client’s input, and initially he will explain in detail the basis for all his decisions as he builds a portfolio until you are fully comfortable with the way he thinks and operates.  This is not the norm, and most clients appreciate the effort.

Equity Style.  A Core Equity style is used to select both large-cap (70%) and mid-cap (30%) companies from a universe of approximately 5,000 stocks.  Beginning with a top-down and quantitative approach, equities are then selected either because their share price is significantly below estimated fair value or because they represent visible and sustainable earnings growth at a reasonable price.  Portfolios are well diversified across all economic sectors and have characteristics similar to those of the S&P 500, but unlike the popular index funds and other exchange-traded funds there is no requirement to stay fully invested or to hold anything other than the very best companies with business plans that are viable and pass his careful scrutiny.  Risk is managed by strategic asset allocation, broad diversification, a ridged sell discipline, and common sense.

Fixed Income Style.  Defensive/Intermediate portfolios are built using investment grade bonds issued by the U.S. Treasury, corporations, or tax-exempt entities such as states and municipalities.  A buy-and-hold approach is used to ladder 2 to 7 year maturities, depending upon the client’s time horizon and income needs. There is no set percentage of bonds vs. equities or any other class of assets.  The overall portfolio will strive to be comprised of what are the right investments to achieve a realistic balance of growth, income, and stability.

All Investing involves risk including the potential loss of principal. No investment strategy such as asset allocation can guarantee a profit or protect against loss in periods of declining values. Past performance is no guarantee of future results. Please note that individual situations can vary.  Therefore, the information presented here should only be relied upon when coordinated with individual professional advice.

Indexes cannot be invested in directly, are unmanaged and do not incur management fees, costs and expenses. 

Fixed income investments are subject to various risks including changes in interest rates, credit quality, inflation risk, market valuations, prepayments, corporate events, tax ramifications and other factors. Securities sold or redeemed prior to maturity may be subject to a substantial gain or loss. In general, the bond market is volatile as prices rise when interest rates fall and vice versa. This effect is usually pronounced for longer-term securities.