The following strategies are part of our core models, and structured in such a way that we have a cost efficient and effective solution for any account size. Please note that each strategy includes a Suggested Account Minimum based on the underlying costs and actual price of each fund within the model - while we do not require a minimum account size to invest, we also want to be conscious of cost efficiency.
Once we have assisted you in selecting the appropriate model, we then help determine your overall allocation between Stocks and Bonds in each account according to your overall financial plan and risk tolerance. Portfolio target asset allocations range from Stock/Bond mixes of 100% Stocks down to 20/80, in increments of 10%, with the option to be 100% Bonds.
Each of these models can also be paired with certain other factors depending on the client situation, such as utilizing Municipal Bonds or our Managed Risk strategy (see below).
Core
Suggested account minimum: $1,000 or $50/month investment
Strategically allocated portfolios that utilize low-cost, market cap weighted, passive/index ETFs. Like all of our strategies, Core portfolios follow a strategic/long-term target allocation approach but limit costs through a small selection of index funds that represent broad asset classes, and maintain a very low underlying expense ratio.
Core Expanded
Suggested Account Minimum: $5,000
Strategically allocated portfolios that utilize market cap weighted, passive/index strategies. Core Expanded builds off of the core strategy and goes one level deeper by dividing the broad asset classes into subclasses. The 6-10 funds utilized in this strategy are further evaluated for market cap and value/growth style, as well as regional allocation.
Intentional
Suggested Account Minimum: $10,000
Actively/intentionally managed portfolios utilizing a combination of active and passive mutual funds and/or ETFs, seeking intentional factor/style and sector exposure. Intentional Portfolios introduce funds that utilize active management where account size permits in certain sub-class and regional exposures.
Select
Suggested Account Minimum: $150,000
Actively/intentionally managed portfolios utilizing individual stock strategy along with a combination of active and passive mutual funds and/or ETFs. Building on Intentional, Select utilizes our Select Equity SMA to represent the US Mid-Large Cap allocation, and is comprised of approximately 40-60 holdings including individual stocks, ETFs, and mutual funds.
Sustainable ESG
Suggested Account Minimum: $5,000
Actively managed portfolios with a focus on investments with High or Above Average Sustainability and ESG (Environment, Social, Governance) scores within their peer groups, with limited Controversy exposure. Data for scoring is derived from Morningstar Direct and Sustainalytics and is applied to the overall portfolio in a quantitative and consistent fashion. Portfolios may not meet certain values based on exclusionary requirements, rather seek to provide a larger exposure to companies that score higher according to the Sustainalytics methodology.
DFA Focus
Suggested Account Minimum: $25,000
Utilize primarily Dimensional (DFA) mutual funds. The DFA Focus strategy closely mirrors our Core Expanded strategy, but utilizes DFA funds in certain sub asset classes for the investor that has preference towards Dimensional funds.
Designed to be utilized within a globally diversified portfolio to supplement stock and bond allocations in order to improve risk adjusted returns by focusing on downside risk management. May be appropriate for investors concerned about elevated market volatility and/or a persistent low interest rate environment. This strategy utilizes low-cost, transparent ETFs and Mutual Funds that seek "defined risk" outcomes during various market environments, in order to capture similar upside as a traditional asset allocation while also limiting the downside capture.
Portfolio Management Fees
CGN provides professional investment management services for clients who wish to delegate the discretionary management of their portfolio based upon the following tiered schedule:
| Total Assets Under Management | Annual Fee |
|---|
| $0 to $500,000 | 0.75% |
| $500,001 to $5,000,000 | 0.50% |
| $5,000,001 and above | 0.25% |
CGN may aggregate accounts within a household for purpose of reaching the tiers above.
