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, utilizing 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 30 years of investing experience and never-ending education and constant research to manage his client's portfolios.  

Equity Style.  A Core Equity style is used to select both large-cap (70%) and mid-cap (30%) companies from a universe of approximately 1200 stocks.  Equities are 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.  Risk is managed by strategic asset allocation, broad diversification, and a rigid sell discipline.

Fixed Income Style.  Defensive/Intermediate portfolios are built using investment-grade bonds issued by the US 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.

 

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.

 

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Check the background of this financial professional on FINRA's BrokerCheck