Most of Windsor's clients have already "won the game" and now just want to "stay in the game."  One of the biggest detriments to a retired, or soon to be retired, client's portfolio is drawdown by means of cash withdrawals, or by a market downturn.   By diversification and a focus on risk-averse growth, our goal is to provide our clients with a high degree of "sleep tolerance."  On the Growth side of a client's portfolio, we focus on asset class allocation by using Exchange Traded Funds (ETF's).  For Alternatives, we use structured notes, principal protected notes, and mutual funds.  The breakdown of the asset classes we use are:

• Large Cap Domestic Equities (diversifed among nine different sectors)
• Mid-Cap Domestic Equities
• Small-Cap Domestic Equities
• Developed International Equities
• Emerging Markets
• Alternative Investments
• Real Estate

Bonds are not fairly traded items since bond brokers do not have to disclose their markup. Brokerage firms have two levels of fees, the broker’s commission and the mark-up for the firm’s bond desk. Brokers only have some degree of pricing flexibility as it relates to their specific portion of the overall markup. Furthermore, brokers quite often sell bonds from their firm’s inventory. Thus, even if they can get clients a better price in the open market, brokers will often sell bonds from their inventory because they can make more on markups. Windsor’s goal is that you receive the best possible trade execution and portfolio construction. The fact that Windsor utilizes the PrimeBroker network means you can be assured you are truly receiving institutional pricing.  A better price on a bond means a better yield for our client.

• Credit Quality: Individual fixed income positions will be investment grade quality or higher.
• Active Management: Based on interest rate outlook, call protection, and credit research.
• Duration: Decided by economic outlook and client needs.
• Excess Funds: May be temporarily invested in investment grade short-term fixed income or money market instruments.
• Any allocation to international or high yield fixed income investments will be determined by a client’s risk tolerance. These investments will be made through actively managed funds or Exchanged Traded Funds.