What do we do?
McLaughlin Asset Management, Inc. (MAM) is an independent Registered Investment Advisor Firm (RIA). We provide wealth advisory services, and specialize in portfolio management for retirees, affluent and high-net-worth individuals, family trusts and charitable organizations.
Our goal is to improve household net worth and provide better overall financial outcomes by employing a disciplined, cost-effective and efficient investment approach. Two circumstances our firm frequently encounters with individuals:
- Total Wealth Approach: establishing a financial plan and investment program to optimize the entire balance sheet. Tailor investments to assets, goals and objectives, income tax plans, and estate plans to account for after-tax performance and help to improve inter-generational outcomes
- Spending Power: helping retirees maximize spending power to meet spending needs throughout retirement
We have relationships with a network of organizations that provide expertise in a variety of areas, such as accounting, estate planning, charitable giving and insurance.
What makes us different?
We’re A Fiduciary and Fee-Only Advisor Firm.
Registered Investment Advisors have a fiduciary duty to each client. MAM is not a broker, and we are legally bound to buy and sell securities for the benefit of the client, not to generate commissions. Due to our independence, we have no obligation or incentive to recommend one security or family of funds over another. Our goal – when you succeed, we succeed.
Our Relationships
We have developed very close relationships with our clients over the years and we are fortunate to maintain a low client-to-advisor ratio. When we started our firm, we did so with the understanding that our long-term success would be contingent to maintaining a manageable client base. This model ensures our fiduciary duty is fulfilled, and that we are able customize each clients’ portfolio. No one client is the same; therefore, we do not employ a “cookie-cutter” approach that many firms have had to embrace. We prefer to grow with our clients.
Our Investment Management Approach
McLaughlin Asset Management employs a top-down, and bottom-up approach in order to limit risk and maximize growth within a portfolio. Our firm utilizes thematic, qualitative and quantitative institutional research from various sources in order to seek ideas best suited for our clients.
Cost-Effective: We feel it is critical for a fiduciary to employ a cost effective investment approach to help clients achieve financial success. Our firm is fee-based and emphasizes individual stocks and bonds to keep net investment expense low.
- If you are paying a management fee AND the majority of your investments are in mutual funds, you may be paying well over 2% in fees and expenses. In addition, mutual funds often have high turnover, leading to a potential income tax burden year after year.
Control and Efficiencies: Continuous supervisory strategies emphasizing individual stocks and bonds might help to avoid concentrations and overlap, while targeting sectors, industries and issues which may appear relatively attractive and/or undervalued at the time. In addition, a well-executed investment program might involve tax-harvesting and asset location strategies to provide greater after-tax returns.
Customization: Optimizing asset location, asset allocation and issue selection to maximize risk adjusted returns based on the entire balance sheet and where each individual falls in their life-cycle and tax bracket.
Why might we be the right choice?
Experience
MAM portfolio managers have over 50 years of combined investment management and financial services experience, with concentration in portfolio management and trust administration. MAM has developed a disciplined and consistent investment approach, which has been tested over numerous market cycles.
We Understand Our Clients
Our objective is to understand each client’s investment goals, and work to design investment strategies in order to achieve their desired financial outcome. Each portfolio is unique because it is customized to meet the goals of the individual, family, or organization it benefits.