Investment Management
Investment Management is the decision-making and planning process behind making financial investments and includes goal setting, researching investment options, developing investment strategies, and managing risk.
At 5280 Associates, we’re firm believers that utilizing in-depth research and data is critical to deciding how and where to invest. Our experienced financial advisors are specifically trained in creating, implementing, monitoring, and communicating quantitative investment strategies using custom asset management and real, up to date financial data. We manage a variety of diversified portfolios and have a wide range of investment options for any situation or risk tolerance.
Whatever your investment needs are, we can take the burden of decision-making and ongoing management off of your shoulders.
5280 Associates Investment Management
At 5280 associates we have a wide range of investment models to meet any specific need or risk tolerance. We have three primary areas of our investment management program: diversified quantitative asset management portfolios, separately managed accounts, and interest management accounts. Regardless of your investment needs, we have a solution for you in one or more of our account offerings.
Quantitative Asset Management
Quantitative asset management is the process of taking large amounts of financial data, quantifying it into actionable indicators, and using those indicators to make emotion free investment decisions. At 5280 Associates, we use proprietary algorithms to quantify financial data and manage our clients’ money according to a strict due diligence process.
See bedrock fee structure below.
Separately Managed Accounts
SMAs are accounts that are managed by external money managers who specialize in specific types of portfolios. Whether you’re looking for the best blue chip, dividend paying stocks, or a growth portfolio that is attempting to beat benchmarks, 5280 Associates has access to professional money managers to meet any need.
See elevation fee structure below.
Interest Managed Accounts
5280 Associates has an interest management program in which we invest in money market funds and bank CDs in order to generate interest on relatively conservative assets. Each account is customized to the client based on how much money they would like to have available in money market funds versus how much they would like to store away in longer-term CDs.
See highland fee structure below.
Process
When our clients come to us for investment management services, we’ll coordinate a time to meet and get the ball rolling. These meetings typically take anywhere between one to two hours and are comprised of four simple steps.
Gather Data
During this stage, we’ll gather all pertinent financial information needed for the investment management process.
Develop Solution
We consider your financial situation and determine what type of investment strategy is appropriate.
Implement Solution
Our team will put your custom investment management plan into action, assisting with opening accounts and processing transfers.
Review
We will conduct an annual account review and shift our investment management strategy as necessary to continue meeting your investment goals.
PRICING
5280 Associates offers a number of options available to you depending on your individual situation. To manage your investments, 5280 Associates charges a percentage of the assets under its care. As your account balance grows, the percentage you pay decreases. Your fee covers advice on account selection based on your risk tolerance, establishing the account, ongoing management, and review meetings. For new clients not enrolled in our Financial Planning Program, the minimum investment amount is $1 million per household. There is not an assets under management minimum for Financial Planning clients.
| BEDROCK Foundational Portfolios |
ELEVATION Specialty Portfolios (Additional manager fee applies) |
HIGHLAND Interest Rate Portfolios |
SAMARITAN Charitable Planning Accounts |
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| Managed allocations of low cost, diversified funds from multiple companies | Money manager portfolios with specialty objectives | Interest rate management accounts | Donor Advised Funds | |||||
| WRAP* | NON-WRAP* | WRAP* | NON-WRAP* | NON-WRAP* | NON-WRAP* | |||
| < $250,000 | 1.20% | 1.15% | 1.55% | 1.50% | 0.50% | 0.90% | ||
| $250,000 | 1.00% | 0.95% | 1.35% | 1.30% | 0.50% | 0.90% | ||
| $500,000 | 0.95% | 0.90% | 1.25% | 1.20% | 0.50% | 0.90% | ||
| $1,000,000 | 0.85% | 0.80% | 1.10% | 1.05% | 0.50% | 0.80% | ||
| $3,000,000 | 0.75% | 0.70% | 1.00% | 0.95% | 0.50% | 0.70% | ||
| $5,000,000 | 0.70% | 0.65% | 0.85% | 0.80% | 0.50% | 0.65% | ||
| $10,000,000 + | 0.65% | 0.60% | 0.60% | 0.55% | 0.50% | 0.60% | ||
*In a wrap account, you pay a single fee that covers both investment management advice provided and the execution of transactions by our custodian. In a non-wrap account, you will pay for our investment advice separately from the cost of individual transactions paid to our custodian.