INVESTMENT
SCREENING
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In
screening investments, it is important that we consider more
than just Social Responsibility.
We must also consider those primary reasons that people
invest in the first place.
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Capital
Appreciation |
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Growth |
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Income |
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Tax
Benefits |
Therefore,
it is important that the investment selection process
incorporates the following:
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Investor's
Time Horizon |
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Investor's
Risk Tolerance |
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The
Investment Objective |
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A
Thorough Analysis of the Securities |
Depending
on the client and those factors listed above, there are a number
of alternatives that can be brought to the table. Another
factor that is important in this decision is the size of the
account.
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PORTFOLIO
OF INDIVIDUAL SECURITIES
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For accounts with no less than
$100,000
A portfolio of individual
securities is generally a more direct and more cost efficient
way to invest in stocks and/or bonds. This method of
investing may involve some higher degree of risk than other
managed accounts, but also offers much more
flexibility and more control over the securities in the
portfolio.
The greater degree of control
lends itself well to the socially responsible investor, as they
have complete say-so on the screening methods used to decide
which companies are worthy of their investment dollar.
For clients with the necessary
account balance and risk tolerance for individual securities, I
have the tools and the ability to research and screen potential
investments on both social and financial criteria.
In selecting stock investments,
I employ a strategy known as GARP, "Growth At Reasonable
Price". I follow many of the basic premises that have
made Warren Buffett one of the most successful investors of the
20th century, focusing most specifically on cash flow
statistics/projections, business model, return on equity, and
valuation.
In selecting bond investments
for clients, I focus mostly on quality, maturity date &
current yield. And as discussed in the Community
Investment section, I also have access to information on
municipal bonds that may provide tax free income for the right
client.
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FEE
SCHEDULE (ACCOUNTS OVER $50,000)
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Investment
Advisory accounts start at $50,000 and offer much greater
flexibility and generally more cost-efficiency in the investment
choices that a client has. The fee schedule below
illustrates the annual fee charged by Darron Stover for
providing investment advice. This schedule does not
include fees that may be associated with securities purchased.
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Total
Assets Under Management
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Advisor
Fee |
Admin
Fee |
Total |
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< |
$50,000 |
NA |
NA |
NA |
| $50,000 |
- |
$99,999 |
1.00% |
0.250% |
1.250% |
| $100,000 |
- |
$249,999 |
0.95% |
0.200% |
1.150% |
| $250,000 |
- |
$499,999 |
0.90% |
0.175% |
1.075% |
| $500,000 |
- |
$749,999 |
0.85% |
0.150% |
1.000% |
| $750,000 |
- |
$1,249,999 |
0.80% |
0.125% |
0.925% |
| $1,250,000 |
- |
$1,999,999 |
0.70% |
0.100% |
0.800% |
| $2,000,000 |
- |
$4,999,999 |
0.55% |
0.075% |
0.625% |
| $5,000,000 |
- |
$24,999,999 |
0.45% |
0.050% |
0.500% |
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> |
$25,000,000 |
0.35% |
0.025% |
0.375% |
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For More
Information About My Investment Advisory & Financial
Planning
Services Click Here On The Link Below:
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