Investment Management

Winter Harbor Advisors provides investment management for individual and institutional clients who are committed to a long-term investment perspective. We believe the consistent application of our investment philosophy is critical to achieving long-term investment performance. Our portfolios are constructed primarily from individual equity securities selected through our internal fundamental research and are augmented with fixed income securities, mutual funds, and other investment securities when such securities meet the objectives of the client or offer more efficient opportunities than investing directly (as is frequently the case with government bonds and international equities).

Investment management can be provided on a discretionary basis, where you specifically authorize Winter Harbor Advisors to execute securities transactions within your account(s) to permit active and continuous management of your investment portfolio, or on a non-discretionary basis, where you must authorize each transaction prior to its execution.

Winter Harbor Advisors provides investment management on a sole basis (where assets are held with a custodian that does not provide investment advice, such as a discount brokerage firm) as well as an overlay for full-service or advised brokerage accounts in order to provide an independent perspective unconstrained by the limitations of the brokerage firm.

However, Winter Harbor Advisors does not assume custody of your accounts and never acts as a custodian; rather, your assets and accounts are always held in your name with custodians which you select. While we frequently recommend specific brokerage firms based on client requirements and associated fees, the selection of custodians is ultimately your decision.

Financial Advisory

Winter Harbor Advisors also provides financial advisory services associated with the investment management process. We believe that investment performance can be maximized through the seamless integration of your financial plan and will assist you in thinking through the various considerations associated with long-term investing, from identifying your long-term objectives, constructing a plan designed to reach those objectives, and making investment recommendations as well as recommendations beyond investment management to keep you on track. Financial advisory assists you with such considerations as retirement planning, college planning, savings plans, and debt management, as well as addressing tax and other considerations.

Ultimately, by seamlessly integrating your financial plan with investment management, we provide a comprehensive package of financial services specifically designed to maximize your finances.