At HVWM, we custom create investment models using a combination of fundamental research driven investments in several major asset classes, including domestic equities, international equities, bonds, cash, real estate, and commodities. We further diversify into sub-classes within those major asset classes based on capitalization (small cap, large cap, etc.) and geographic location (emerging markets, developed foreign markets, etc.). The level of investment in each particular asset class is driven by our own proprietary research and a rigorous census of each particular client’s goals, objectives, and risk tolerance. Our investment allocations are constantly reviewed and monitored.

There is also a tactical component to our investment selection process, whereby we may invest a portion of assets in specific segments of the markets that we believe present a significant investment opportunity at a particular point in time. We may choose to invest a percentage of client assets in areas such as alternative and renewable energy, individual commodities, alternative investments, specific countries, separately managed accounts, and various other opportunities as they arise. All of our investment decisions are based on the individual goals and risk tolerances of each client. We believe that not all investment vehicles are appropriate for all of our clients, and will never deviate from an investor’s goals to pursue returns for an inappropriate amount of risk.