Kimberly Rios

Brandes uses Graham & Dodd value principles with an emphasis on long-term total return. As a Graham & Dodd value-oriented, global investment adviser, they apply fundamental analysis to bottom-up security selection. The firm aims to outperform relevant benchmarks over the long-term.

Northern Capital Management's (NCM) primary investment products are managed equity, balanced and fixed income portfolios. Portfolios are typically comprised of small-cap, mid-cap and large-cap domestic and international stocks, domestic and international equity ETFs, investment grade and below investment grade corporate bonds, government securities, fixed income ETFs and alternative investment ETFs, along with equity and fixed income mutual funds. NCM primarily focuses on long-term investing with an approach that relies on fundamental research along with a valuation assessment to determine a stock’s target price. The primary objective of Northern Capital’s equity portfolios is to provide returns from a diversified portfolio of securities that outpace market indices such as the S&P 500 Index. Equity portfolios are composed of small-, mid- and large-capitalization companies as well as ETFs, which are used to enhance returns and increase diversification. The use of ETFs provides portfolios with exposure to investment opportunities that may fall outside NCM's traditional research universe such as market segments (market-cap or style), international, alternative investment or sectors where individual stock selection does not adequately reflect the desired exposure. The primary objective of NCM's balanced portfolios is to provide a maximum return attainable from a combination of stocks, bonds, and cash within defined risk parameters. The equity segments of balanced accounts are managed using the same approach the firm uses for their core equity approach. Fixed income securities are evaluated and selected based on the firm's assumptions for interest rates, the treasury yield curve, issue-specific risk and a number of other macroeconomic variables. Holdings are concentrated in US Treasury securities, securities issued or guaranteed by US government agencies, investment and below investment grade corporate issues, notes or debentures convertible into common or preferred stock or with equity warrants attached, and fixed income ETFs. NCM's fixed income portfolios are designed to provide returns from a diversified portfolio of US Treasury, US government agency, corporate securities and ETFs that exceed the returns of the Barclay’s Intermediate Government/Credit Index.

Roxbury Capital Management offers a variety of value-added equity strategies across all market-caps. The firm's Core Equity strategy seeks long-term capital appreciation and moderate income. They invest in high quality, mostly dividend paying stocks. Roxbury employs a bottom-up approach that seeks to identify stocks with above-average earnings growth, strong financial strength, experienced and shareholder-friendly management teams, dominant business models, pricing power, the ability to prosper in a variety of markets, significant free cash flows, competitive advantages and attractive valuations. The strategy emphasizes large-cap stocks, but may also target mid-cap sticks. The portfolio typically consists of 40 to 60 stocks. The firm's Focus strategy seeks long-term capital appreciation by investing in a concentrated portfolio of quality, sustainable growth companies. The firm employs a bottom-up approach to identify stocks with above-average earnings growth, strong financial strength, dominant business models, pricing power, significant free cash flows, attractive risk/reward characteristics and the ability to prosper in a variety of market environments. Companies must have a competitive advantage that will allow it to grow returns on capital relative to the cost of capital. The portfolio typically consists of 15 to 20 stocks. Position sizes average 5%, although that weighting may vary depending on a stock's risk-reward characteristics. Roxbury's Health Sciences strategy is a non-diversified product that focuses on healthcare investments including biotechnology, medical devices, pharmaceutical and professional health services companies. They employ a bottom-up approach to identify stocks with above-average earnings and dividend growth, strong financial strength, dominant business models, pricing power, significant free cash flows and attractive risk/reward characteristics. Companies must have a competitive advantage that will allow it to grow returns on capital. Roxbury will sell a position if the risk/reward characteristics of a stock turn negative, company fundamentals deteriorate, a more attractive investment idea is identified or the stock achieves their price target. The portfolio typically consists of 20 to 40 stocks. The firm's Quantitative Strategies Group manages a series of hedge funds designed to provide above-average returns with lower volatility. The funds may short stocks and/or utilize leverage. Roxbury's Mid-Cap Value strategy seeks to combine the stability and lower volatility of investing in high quality, dividend-paying equities with the potential for capital appreciation. The firm analyzes a broad universe of mid-cap companies, evaluating companies' financial strength, earnings predictability, cash flow and valuations. Companies are typically sold when they become overvalued, more attractive investments are identified, the dividend is reduced/eliminated or if fundamentals weaken. The typically portfolio holds 35 to 60 stocks with market-caps averaging below $10 billion. Individual positions are limited to 5% of the portfolio at cost. Roxbury's Small-Cap Growth strategy seeks long-term capital appreciation by investing in stocks with market-caps below $2 billion that have strong growth characteristics and attractive pricing relative to underlying profitability. The process begins by screening a universe of stocks with future expected earnings growth of greater than 15%. The firm then performs fundamental analysis to identify companies with growing revenues, stable or expanding margins, emerging industry leadership positions, low debt levels, solid cash flows and high or potentially high returns on capital. Further research is performed to identify companies with dominant competitive positions, positive business and market trends and strong management teams. Companies become a purchase candidate only if the firm believes there is a catalyst in place to provide for at least 15% stock price appreciation over the next 12 months. The Small-Cap Growth strategy typically holds 60 to 90 stocks. Individual stock positions are limited to a maximum of 5% and sector concentrations can't be more than 15% different than the weightings in the Russell 2000 Growth Index. The firm's Small/Mid-Cap strategy seeks long-term capital appreciation by investing in high quality small- to mid-cap companies with sustainable growth that are trading at attractive valuations. Roxbury looks for companies with favorable competitive positions, strong financials and a commitment to enhancing shareholder value. Companies typically have seasoned operations that can continue to grow in a variety of market environments and are run by experienced management teams. Companies should also have proprietary technologies, free cash flow generation, low cost production and high barriers to entry. Roxbury looks for stocks capable of growing earnings on a sustainable basis of 15% or more annually. The investment process is designed to produce a portfolio of relatively predictable companies with above average growth rates, strong financial strength and high returns on equity. The portfolio typically consists of 35 to 60 stocks with position sizes ranging from 1% to 5% at cost. Roxbury's Strategic Growth strategy seeks to grow client capital by investing in durable large-cap franchises with the potential to grow excess returns on capital that are trading at a significant discount to their estimate of the company's true value. They employ a bottom-up approach that seeks to identify growth companies with sustainable competitive advantages and opportunities to grow and reinvest capital at high rates of return. Roxbury looks for companies with attractive unit growth opportunities, strong pricing power, dominant or rapidly growing market shares, sustainable or expanding profit margins, well-capitalized balance sheets and consistent excess free cash flows. The portfolio typically consists of 30 to 50 stocks. Position sizes range from 1% to 5% at cost.

RMR allocates assets among the major classes of cash, stocks and bonds utilizing either individual issues or mutual funds as appropriate. Stocks and stock funds are divided between domestic and foreign as well as all market caps. The firm further divides stocks and stock funds into growth and value styles. Bonds and bond funds are divided by duration and credit quality.

Functions as a College/University

Catalyst aims to provide innovative strategies to support investors in meeting the challenges of an ever-changing global market environment. Their specialized strategies seek to address the needs of investors, including generating alpha, reducing volatility, limiting tail risk, mitigating interest rate risk and generating income.

BMO Family Office manages each portfolio in accordance with the client’s investment objectives, taking into consideration the client’s risk tolerance, time horizon, tax circumstances, liquidity and cash flow needs, restrictions and constraints, as well as other relevant criteria. The firm allocates client assets among different asset classes with varying levels of risk and return. They diversify client portfolios within and across asset classes, including cash, fixed income, equities, hedge funds, private markets and real assets.