An Investment Strategy

The investment process at The Glenview Trust Company is structured with one result in mind: meeting the client’s financial goals, while respecting their tolerance for risk.

Investment Philosophy

Glenview Trust is not in the business of selling investment products; and this distinction allows us to be totally unbiased in bringing the best ideas and investments to our clients. Our experienced investment professionals actively consider individual client circumstances when drawing from the entire spectrum of asset classes to construct customized portfolios. Investment decisions focus on providing clients with the capital to meet their ultimate needs and aspirations.

Investment Framework

The investment universe is an uncertain place for many; however, there are several things Glenview Trust does to gain a more predictable and successful long-term result. These principles may seem simple and logical, but the behavior of the investment community often is contrary.

Focused planning is critical to a successful destination. An integral part of the financial planning process is helping our clients clarify their short and long-term goals. Our investment professionals tailor a strategy based on the individual circumstances of each client. Successful plans are flexible enough to weather unexpected surprises, but disciplined enough to provide the necessary capital for retirement income, grandchildren’s tuition, or many other goals.

Owning a diversified portfolio of quality assets is critical in every strategy. While most investments over time are profitable, some investments simply fail. A failed investment is difficult to predict, but diversification reduces this specific risk and protects capital, which helps to make clients successful.

Taxes are often the largest expense to an individual’s investment capital; and the compounding affect of taxes paid can be a significant barrier in achieving a financial goal. Tax treatment varies widely. Personal, retirement, and trust assets are all subject to different taxes over multiple generations. Glenview Trust realizes tax efficient management reduces expenses and grows capital.

These principles simply increase the probability of success for our clients.

Portfolio Construction

Our investment professionals have over 160 years collective experience and reference a broad array of independent resources when managing a client’s assets. While each portfolio considers the individual client circumstances, all portfolios adhere to disciplined investment process and valuation modeling.

The core of every client’s portfolio is normally a mix of individual large cap stocks and investment grade bonds. This mix may vary widely based on the investment objective, which considers a client’s need for current income or future growth, risk tolerance, time horizon, tax rate, and other constraints. The individual stocks and bonds are a strategic part of the portfolio, representing high quality assets and long-term investments. Owning individual securities lowers portfolio expense and also contributes to tax efficiency.

The core of every portfolio is normally complemented by a mix of more tactical or satellite investments. These investments may be owned for a very long time or they may represent a tactical investment to take advantage of a valuation opportunity. The assets generally include mid cap, small cap, developed international, and emerging market stocks, but they may also include more specialized sectors or niches in the market. The most diversified and efficient investment vehicle with these assets is a fund. Glenview Trust is independent and does not sell investment product, which gives us tremendous flexibility in choosing the appropriate asset.

Where appropriate, Glenview Trust believes in the value of non-traditional or alternative investments to increase portfolio efficiency and lower asset correlation. These investments include, but are not limited to real estate, commodities, private equity, and hedge funds.

Again, the mix of assets that are carefully chosen for a portfolio are actively reviewed and managed to help meet the needs of each client’s goals.

Investment Universe