Investments

Set It And Forget It Is For Rotisserie, Not Retirement

What is a Registered Investment Adviser?

The financial services industry is a rapidly changing professional environment.

As the

needs and desires of consumers change, firms engaged in managing money are also evolving. A registered investment advisor (RIA) such as GL Trust manages the

assets of individuals, businesses and institutions.

A registered investment adviser, or RIA, is an investment adviser who has registered either at the state level with their state’s Securities Commission, or at the federal level with the United States Securities and Exchange Commission. Most RIAs are partnerships or corporations, but individuals can also register as RIAs. RIAs are paid much like mutual fund managers, GL Trust typically earn their revenue through a management fee comprised of a percentage of assets managed for a client.

The term investment adviser (IA) was first defined in the Investment Advisers Act of 1940, and the original definition is still upheld by the Securities and Exchange Commission (SEC):

An investment adviser is any individual or firm that engages in the business of advising clients, either directly or through publications or writings as to the value of securities or as to the advisability of investing in, purchasing, or selling securities, or who, for compensation and as part of a regular business, issues analyses or reports concerning securities.

Registered Investment Adviser (RIAs) are investment advisers who are employed by state or federal registered investment adviser firms. Investment adviser representatives can make recommendations or provide advice on the value, purchase, and sale of securities.

Investment adviser representatives are subject to the same registration requirements and regulatory standards as investment adviser firm proprietors and are only set apart by the fact that they are employee or independent contractors, rather than principals, of these firms. Investment advisers are knowledgeable of most types of investments, including stocks, bonds, exchange traded funds, mutual funds, derivatives, and other less common investment products. Investment advisers may offer other services outside of portfolio management and consultation. Virtue Capital Management and GL Trust are both Registered Investment Advisers.

What is a Registered Investment Adviser ?

What is a Sub-Adviser?

A sub-adviser is an asset management firm hired by an investment adviser to help identify, evaluate and manage investments within a portfolio, sub- advisers are typically selected based on their investment style, expertise and track record in a specific investment strategy.
In the RIA community, it’s more common to use a sub-advisor relationship, where the client actually contracts directly with using their investment management agreement, which may acknowledge VCM as a sub-advisor and then GL Trust in turn contracts with VCM to manage their client accounts with a client signed sub-advisor agreement, custodial paperwork allowing VCM to help establish the account, provide operational support, bill and trade in the client’s account among other things all through the custodial relationship.
Under this type of arrangement, the client is first and foremost a client of the GL Trust, and it’s the advisor who actually decides whether to keep or terminate the relationship with the sub-advisor (VCM).

Create Portfolios That Stand The Test Of Time

GL Trust has created an investment approach that emphasizes risk-managed portfolios designed to meet the specific needs and risk tolerance of investors by:

Offering a full spectrum of flexible investment options.

Focusing on risk management in today’s constantly changing markets.

Evaluating the investment landscape from a unique 21st-century perspective.

Classic Portfolio Construction – The Active vs. Passive Divide

The standard approach to portfolio construction starts with determining a client’s goals and risk tolerance and then finds a diversified asset allocation with an expected retur and acceptable risk commensurate with the goals and tolerance. The end point is typically an investment plan that outlines how much will be invested and diversified into each asset class.

How is the asset allocation itself determined? In practice, most advisors use what’s known as Modem Portfolio Theory (MPT) with portfolio optimizers, at least conceptually. The goal of MPT lies in holding various asset classes that have appealing returns, reasonable risk, and low correlations to each other. The: three factors: expected retum, volatility, and correlations (or a full covariance matrix) are the building blocks of MPT.

QUESTION: WHAT’S THE BEST REWARD FOR INVESTING YOUR MONEY SMARTER?
ANSWER: MORE MONEY!

Choosing the right income accumulation vehicle for retirement can be challenging. With so many choices, which product(s) are BEST for you? Well the answer is simple…you want to maximize your earnings and savings through SMARTER Investing. Many people want to start living a better life now and preparing for a very comfortable retirement. Well, we help people to enjoy a better quality of life now and to live an amazing retirement through SMARTER Investing.

Ever Wonder How Some People Almost Always Make Money Investing?
It’s Because They Get The BEST Advice!

It’s important for you to understand that most advisors are either life insurance specialists, stock brokers, or estate advisors. The advice they give you is geared towards commission based products. Meaning that they tend to be incentivized by the commissions earned on the products that they recommend to you.

Whereas, we actually design a plan specifically for your individual needs, concerns, and goals. On most of the invesment products and services that we recommend, we get paid a fee as opposed to a commission. In other words, we get paid to manage our client’s estate NOT to sell high commission products that benefit only the broker or insurance company.

Take a look at some of our recommended investments below:

Annuities – Wouldn’t it be great to have your investment principal guaranteed back to you in an investment with no possible risk of losing your money? How about having a higher rate of return that can get stock market like rate of returns? Well, this is exactly what annuities give you. An annuity gives you a guarantee of your principal and the potential of stock market-linked growth with absolutely no risk of loss of your principal due to market downturns.

Powerful ResourcesSomething extraordinary happens when you have the resources you need to be successful. GL Trust works hard to ensure that you are achieving your financial goals. Virtue works hard to ensure that GL Trust has every resource available to efficiently run their RIA and manage your accounts. To do so, they need robust technology solutions and access to industry-leading research — again, that’s where we come in.

Unified Managed Account (UMA) PlatformMany of our advisors use multiple asset management strategies, with different fee schedules, all needing performance-reporting features. An UMA platform allows advisors to build a diversified portfolio under a single asset allocation plan that may hold a variety of investments and money managers. UMAs can combine individual securities ownership and account customization with a high degree of investment diversification and operational
efficiency, making it possible for investors to consolidate their entire portfolio into a single investment account.

UMAs allow investors to combine the key components of their portfolio in a single, integrated investment struc- ture. We believe a well-designed UMA program should offer asset allocation advice, a variety of investment options, consolidated performance and tax reporting, portfolio rebalancing, and optional features such as tax management.

Unified Managed Accounts are best utilized as an integral part of a disciplined investment strategy. When developing and implementing such a strategy, each investor should consider his or her individual goals, time horizon, and tolerance for risk.

The number and increasing complexity of investment options can make creating and managing a diversified portfolio a difficult process. Finding a way to coordinate and analyze various investment products, their strategies, holdings, account structures, fees, tax statements and performance reports can prove a challenge, even for experts. A carefully constructed UMA program can offer investors the opportunity to simplity their investment lives without compromising the features, diversification benefits, or
quality of their investment choices. 

Want to know more? Schedule your FREE ‘SMARTER Investing’ Consultation today (562) 442-1100

Greg Wilson
Your Trusted Advisor

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Contact Us Today

(562) 442-1100

Admin@gltrustinc.com
16131 Whittier Blvd., STE 110, Whittier, CA 90603

GL Trust presents this information for educational purposes and nothing herein should be construed as a recommendation.  GL Trust presents information believed to be from reliable sources but no liability is accepted for any inaccuracies.  All investments involve risk and past performance is no guarantee of future performance.  Be sure to consult with a tax professional before implementing any investment strategy.  Investment advisory services offered through GL Trust, a Registered Investment Advisor with the State of California.  Registration does not imply a certain level of skill or training.