Regency Wealth Management

Invest with Us

Regency Wealth Management is dedicated to the ongoing formulation, execution, rebalancing, and delivery of appropriate investment solutions designed to achieve your financial goals. After we conduct the discovery and review analysis clarifying your objectives, resources, and risk horizons, we construct an Investment Policy Statement (described below). Investments are made on a client’s behalf on a discretionary basis. Portfolio positioning and performance is reviewed regularly as are any changes in your financial situation, goals, or timing of key events.

Our Professional Process

Creating a thoughtful investment strategy tailored to your financial goals and risk tolerance involves using a number of sophisticated tools. These include:

Investment Policy Statement

  • Set parameters for equities, fixed income and cash positions
  • Define investments’ quality standards
  • Specify benchmarks for measuring performance
  • Specify investment time horizon
  • Identify liquidity needs

Capital Markets Outlook

  • Develop and regularly update a Capital Markets Outlook that anchors strategic and tactical asset allocation decisions
  • Conduct economic analysis: global, regional, and local trends
  • Analyze valuations and volatility across markets
  • Consider historical analysis but incorporate forward thinking and common sense in developing conclusions

 Stress Tests

  • Review alignment of portfolio risk with client risk tolerance.
  • Analysis of estimated potential losses at portfolio and security level
  • Model and portfolio stress tests, via Bloomberg and other analytics, to estimate potential losses under numerous historical scenarios
  • The system overlays past market action over the securities considered and uses the observed correlations between these securities over the last three years

Smart Diversification

Investment portfolios typically consist of individual equities, bonds, mutual funds, exchange traded funds, private equity, and other investment and savings products.

Individual Equities

Our individual equity selection process is predominantly in the large capitalization stock space and uses a proprietary methodology, Quality at a Discount (QuaD). We look for companies that have these four key characteristics:

  • Leaders in their markets
  • Surplus Cash Flow
  • Low Valuation
  • Low Leverage

The QuaD sleeve in a typical portfolio will have a core of 25 to 35 individual issues across numerous industry groups.


Individual Equities

Fund, ETF and other investments

Fund, ETF and other investments

Regency uses numerous professional resources to identify, analyze, and monitor manager data. Mutual fund and ETF managers’ selection incorporates the following criteria:

  • the fund’s performance history
  • the industry sector in which the fund invests
  • the total return and volatility record of the fund
  • the fund’s investment objectives
  • the fund’s management, style and philosophy
  • the fund’s management fee structure


Fixed Income Securities

Bonds and other fixed income investments generally have some mix of interest rate risk, credit risk, and spread risk. Regency’s fixed income asset allocations consider all three as well as their relative value.

Regency also has access to numerous providers of “alternative” investment products including structured notes and hedge funds that are considered and used where appropriate.

Values-Based Investing

Contact us for more information on Values-Based Investing.

Careful Oversight

Regency Wealth Management reviews your investment portfolio regularly, modifying and rebalancing it when appropriate. Allocation changes may reflect:

  • Changes in your goals or financial position that require portfolio modifications to realign risks and expected returns
  • Anticipated changes or observed deviations of economic, interest rate, or market volatility
  • Regency’s opinion on securities or funds changes, valuations reach our targets, or more attractive investments are identified
  • Approach of exposure limits as defined in the client’s Investment Policy Statements regarding minimum and maximum segment exposures


Fidelity Investments

Your Assets are Secure

Investments that you entrust to Regency Wealth Management are typically placed in custody with Fidelity Investments. With Fidelity, we know we are working with a provider that will maintain the highest level of integrity in providing brokerage and custody services — along with privacy protection — for your assets. Your assets are safeguarded because Fidelity has arranged for insurance protection beyond coverage through the Securities Investor Protection Corporation (SIPC). Investments are not guaranteed and may lose value.

Case Studies

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