Our Investment Philosophy
Our philosophy focuses on knowing you as our client and taking care to create a personalized plan that fits your needs. Your unique portfolio and investment objectives will be consistently implemented and reviewed to bring you the highest degree of success. Our planning includes four key elements:
Provides the guiding principles for the entire portfolio. It includes setting an investment objective that will incorporate the need for income, growth, risk tolerance, taxes, legal constraints, and return expectations. Gathering information and knowing the client are the key steps.
Creates a framework for making changes in the portfolio that includes asset allocation guidelines, targets, and frequency of re-balancing. Discipline and consistency are the key elements.
Implementation and Review
Each individual investment must be selected not only for its performance history and expected results, but also on the basis of how it fits into the overall portfolio, asset allocation targets, and achievement of the investment objective. Once in place, the portfolio must be reviewed regularly to ensure that each investment continues to be appropriate, and that necessary changes are made.
Unlike most managers, our trust department does not have in-house proprietary mutual funds. We are able to select the best funds and managers for our clients. We are not commissioned-based, so our selection process is unbiased and based solely on criteria that will best meet our clients’ needs. Our in-house staff also provides oversight for a variety of unique assets including real estate, timber, and agricultural holdings.
*Oregon Pacific Bank’s trust department offers products that are not FDIC insured, are not guaranteed by the Bank, and are subject to loss of principal