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Investments

Changing Market and Economic Conditions
Changing market and economic conditions are a fact of life, but there are things you can do to help build your wealth, help protect against risk, and help ensure your family’s financial wellness. One of them is to evaluate periodically your current financial situation, identify gaps, and choose appropriate insurance and financial products.

With our training, experience, and commitment to our customers, we’re confident that we can provide a level of personalized service unmatched by our peers.  Sestio Financial Services will work tirelessly to help you achieve your financial goals.

Investment Management Services

  • Financial Asset and Risk Management
  • Estate Continuation
  • Comprehensive Quarterly Reporting and Communication
  • Annual Review and Assessment

Sestito Financial Services mission is to help clients grow their assets for the long run. We take this mission very seriously and will work with you to make sure you have the products and services necessary to help you achieve this goal.

Professional Management
Managed Assets under the guidance of the selected portfolio manager offers a comprehensive, investment management program designed to help investors with substantial assets. It offers a powerful combination of professional guidance and flexibility supported by a foundation of proprietary research. The goal is simple—to help build and preserve your assets.

The Managed accounts programs provide you with access to a broad universe of professional investment managers, many usually available only to large institutions, across the spectrum of major asset classes. Each of these managers has been thoroughly screened by a team of experienced research analysts and is subject to ongoing monitoring to ensure that high level of investment standards are maintained.

A Long-Term Investment Relationship

The guidance of an experienced financial professional is the key to developing an investment program. We will help you define your investment strategy based upon your personal goals, preferences, and attitude toward risk. A customized asset allocation will then be developed based on your objectives. Whether you choose a complete asset allocation strategy or just need an investment manager for a single asset class, you can be certain that the options presented will be derived from a disciplined process that is focused on your specific situation. We will track your progress, keep you informed of important developments, and recommend modification to your portfolio based upon your established goals, changes in your investment needs, and changes in market conditions. You will also receive a detailed quarterly report that covers the progress of your investments and provides insights into how that performance was achieved.

The Benefits of Separately Managed Accounts
Separately managed accounts are the primary investment vehicle for the managed assets programs. They offer unique benefits compared with certain other investments, and can help you address specific issues that relate to your financial needs. Some of the most attractive features provided in a separately managed account are:

Professional Management
A separately managed account offers you access to the resources and experience of proven professionals, combined with the ability to precisely target your individual objectives. You will select from a rigorously screened universe of investment managers.

Direct Ownership of Securities
The securities purchased for your separately managed account belong to you. Your money is not pooled with that of other investors. This enables you to tailor your account to meet specific needs, including:

Managing Tax Consequences. The cost basis for each security in your portfolio is established at the time of purchase, so you are not subject to the gains earned by other shareholders as you might be in a mutual fund. This enables you to coordinate year-end tax management with your financial professional, tax professional, and investment manager.*

Customizing Your Portfolio. You may request that your investment manager exclude certain securities or industries from your portfolio, such as companies in which you already have a large exposure or those that you would prefer not to invest in at all.

Transparency of Holdings
You know exactly what securities are being held in your portfolio and when those securities are purchased or sold by the investment manager.

A Single Asset-Based Fee
You pay a single annualized wrap fee, based on your assets under management, to cover investment counseling, portfolio activity, and other ongoing expenses. There are inherent risks involved with investing in the markets, and your investments may be worth more or less than your initial investment upon redemption. There is no assurance that the investment managers’ objectives will be achieved. Professional money management is not suitable for all investors. We need to review your investment objectives, risk tolerance, and liquidity needs before introducing suitable managers/investment programs. For tax advice, you should consult your tax professional regarding your particular situation.  There will be additional costs for the ownership and maintenance of mutual funds and /or exchange traded funds.

*For tax advice, please consult your tax professional regarding your particular situation.

Managed Assets Programs Follow a Disciplined Investment Process

Identify Goals
Investing in the Managed Assets programs begins with an investment questionnaire that will allow us to analyze your financial objectives, time horizon, investment preferences, and attitude toward risk. Based upon the answers that you provide, a statement of your investment objectives, appropriate investment guidelines, and manager search criteria will be developed.

Develop Asset Allocation
How you position your resources can be critical to your success. Studies have shown that asset allocation is a major factor in determining portfolio performance as well as portfolio risk.

Although asset allocation does not eliminate the risk of fluctuating prices or uncertain returns, it can help you manage risk and make sure that your money is positioned effectively. Keep in mind that asset allocation does not assure a profit or protect against loss in declining markets.

Select Investment Managers
The investment managers menu includes many large, well-known investment companies from around the world, as well as specialized asset management firms. While most of them are companies that handle multi-billion dollars in assets, several are newer, growing firms that are entrepreneurial in nature and specialize in particular asset classes.

Monitor Performance
The comprehensive Quarterly Performance Review helps you understand performance data in relation to your specific goals. Sestito Financial Services can also use the review to fine-tune your investment strategy as your goals evolve and the markets change.

The Managed Assets program’s highly selective menu of investment managers is designed to facilitate asset allocation and precisely target your resources.

Quarterly Performance Review

  • Keep up with market developments
  • Measure progress toward your goals
  • Evaluate your asset allocation
  • Monitor performance of investments
  • Review activity in your account

Oversight of your portfolio also extends to the investment managers. The Managed Assets program’s research analysts review manager performance versus their peer group and benchmark indexes on an ongoing basis. They also analyze the factors that influenced performance, e.g., whether the managers have maintained a consistent investment style or are taking the appropriate amount of risk. Ultimately, the objective is to answer the most important question: Are your investment managers doing what they were hired to do?

Leveraging Research
The managed assets programs employ a team of highly trained, specialized professional analysts using sophisticated technology in order to evaluate the quality and integrity of investment management firms. In the course of their analysis, they employ a variety of analytical tools and may conduct on-site visits or conference calls with selected investment management firms. The research process is the result of numerous years of development, application, evolution, and the lessons of experience. Among the criteria are risk-adjusted performance, consistent investment style, reputation, stability of management, and compliance procedures. This research enables you to select investment managers with confidence, and ongoing analyst oversight helps make sure that your managers maintain the high standards that led to their selection.

The Benefits of Managed Assets Programs

To Summarize:

  • A comprehensive, personalized investment strategy.
  • A long-term relationship with an experienced financial professional.
  • Access to leading investment managers.
  • Personalized asset allocation.
  • Ongoing oversight of managers by professional analysts.
  • Comprehensive Quarterly Performance Reports and year-end summaries.
  • A single asset-based annual fee for account services.

Since no one investment program is suitable for all types of investors, this information is provided for informational purposes only. We need to review your investment objectives, risk tolerance, and liquidity needs before introducing suitable managers/ investment programs. For tax advice, you should consult your tax professional regarding your particular situation. For complete information concerning the separately managed account, including management fees, charges and expenses, please contact your investment professional. The information contained in this document is not intended as an offer or solicitation with respect to the purchase or respect to the purchase or sale of any security or investment product.

Investors should consider the fund's investment objectives, risks, and charges and expenses carefully before investing. This and other important information can be found in the prospectus and, if available, the summary prospectus. Contact your financial professional for a copy of the prospectus. The prospectus and, if available, the summary prospectus should be read carefully before investing.

It is possible to lose money by investing in securities.