Risk management is a misused and under-appreciated concept on Wall Street. At Pring Turner, we prefer to use the term "loss management" because losing wealth takes on a much more personal and deeper meaning than simply managing risk. The Cornerstone of our investment philosophy rests on the core belief of building wealth consistently by minimizing portfolio risk. Similar to the layers of an onion, we carefully build several layers of loss protection into our clients' portfolios. The key layers of loss management we utilize to reduce risk in client portfolios are summarized below.

      
    The most critical determinate of an investor’s ultimate success is how to allocate investments between asset classes. At Pring Turner, our expertise is in understanding business cycle activity and its impact on the different asset classes. We manage risk by gradually adjusting portfolio allocations depending on where we are in the business cycle. Our extensive knowledge of business cycles gives us the framework to generate the best returns with the least amount of risk. Our expertise allows us to make tactical asset allocation changes effectively, and with far less emotion than the typical advisor.
 		      
    Clients can rest assured knowing that we emphasize stocks and bonds of superior quality-rated companies. Exceptionally well-managed global companies in leadership positions tend to have better earnings and dividend stability and are less likely to surprise shareholders with unfavorable news.
 		      
    Common sense and history demonstrate that a value style of investing is not only successful but provides less volatility in investment portfolios. Although value investing may not have the allure of growth investing, financial history shows that in the long run value investing outperforms growth investing with significantly less risk.
 		      
    Income provides consistent cash flow and acts as a stabilizing cushion for our clients. Market prices will go up and down, but dependable income helps provide consistent performance with less volatility. We understand that throughout history income generated from dividends have contributed nearly half of the total return of stock investments. By combining reasonable income with modest asset price appreciation we dramatically increase our chances of investment success.      
 
      
                 
   
     
 

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