advisor.morganstanley.com
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https://advisor.morganstanley.com/the-schultz-group
Submission: On December 18 via manual from IN — Scanned from CA
Submission: On December 18 via manual from IN — Scanned from CA
Form analysis 3 forms found in the DOM
POST
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<div class="ContactForm-privacyPledgeSection"><span class="ContactForm-privacyLinkText">Morgan Stanley is committed to safeguarding your information:</span>
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<a href="https://www.morganstanley.com/privacy-pledge" title="Your Privacy Choices" target="_blank" data-ya-track="privacylink" rel="nofollow noopener noreferrer">Read Our Privacy Pledge<span class="sr-only wcag-new-tab-hover">Link Opens in New Tab</span></a>
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Morgan Stanley Private Wealth Management
THE SCHULTZ GROUP
Andrew SchultzJonathan Faber
Direct:
(305) 695-6116(305) 695-6116
Toll-Free:
(800) 642-7715(800) 642-7715
Contact Us
OUR MISSION STATEMENT
We act as an extended family to our clients and their families. We help them in
every way we can, financially and otherwise.
WelcomeAbout PWMMy Approach and ClientsAwards & Community InvolvementThe Schultz
Group InsightsLocation
WELCOME
At the Schultz Group, we pride ourselves on providing personalized wealth and
estate management services to the exceptional people that we are privileged to
serve. Functioning as an extended family, our primary responsibility is to work
alongside our clients & their loved ones to understand their goals & objectives.
As our client, you will find our conservative portfolio management approach
emphasizes broad diversification and a custom asset allocation that seeks to
reduce your risk. Through our approach, we strive to provide you with steady
performance over time. We personalize your portfolio's allocation to reflect
your unique time horizon, risk tolerance, and estate planning needs, among other
factors. With Andrew Schultz leading our team, we use his 31 years of investment
experience, along with our resources at Morgan Stanley and across Wall Street,
to help you preserve & grow your wealth.
Nothing is more personal than your wealth, and we believe there is no substitute
for the sort of financial and personal partnership you can expect from the
Schultz Group. As your extended family, it's our job to hold your hand along the
way to make sure achieving your goals is a fulfilling experience. Our vigilance
will free you to focus on the more enjoyable business of life – your family,
friends, and leisure time.
We look forward to meeting you and learning more about the needs and aspirations
of you and your future generations.
Capabilities
* Alternative InvestmentsFootnote1
* Comprehensive Wealth Planning
* Family Governance & Wealth Education
* Fixed IncomeFootnote2
* Consolidated Reporting
* Tailored LendingFootnote3
* Sustainable & Responsible InvestingFootnote4
* Tax, Trust & Estate AdvisoryFootnote5
* Lifestyle Advisory ServicesFootnote6
* Philanthropic Services
* Pre-Liquidity Planning
Check the background of Our Firm and Investment Professionals on FINRA's
BrokerCheckLink Opens in New Tab.*
ABOUT PWM
Founded in 1977, Private Wealth Management is the division of Morgan Stanley
Wealth Management that is dedicated to serving the firm’s most affluent clients,
including some of the world’s most accomplished entrepreneurs, executives and
stewards of multigenerational wealth. Functioning as an exclusive investment
boutique within a global financial firm, we deliver sophisticated solutions that
leverage the intellectual capital and insight of Morgan Stanley’s substantial
global resources. Drawing on a deep understanding of your financial life, our
goal is to help you:
* Manage investments with an unwavering focus on your financial strategy and
personal goals
* Create comprehensive, multigenerational wealth management plans based on your
needs, challenges and the values that guide your life and legacy
* Simplify financial complexity to help you achieve clarity and control
Private Wealth Management Highlights
* Approximately 300 teams1 specialized in assisting individuals and families
with $20MM+ in investable assets
* Over $775 billion in AUM1
* Comprising 25% of the Barron’s Top 100 Financial Advisors list for 2023
* Direct access to ultra high net worth experts in philanthropy, family
dynamics, wealth transfer, lifestyle advisory and other areas of interest to
ultra high net worth families
1 Morgan Stanley Wealth Management, December, 2023
Source: Barron's.com (April 2023) 2023 Barron's Top 100 Financial Advisors
awarded in 2023. This ranking was determined based on an evaluation process
conducted by Barron's during the period from Dec 2020 - Dec 2021. Neither Morgan
Stanley Smith Barney LLC nor its Financial Advisors or Private Wealth Advisors
paid a fee to Barron's to obtain or use the ranking. This ranking is based on
in-person and telephone due diligence meetings to evaluate each advisor
qualitatively, a major component of a ranking algorithm that includes client
retention, industry experience, review of compliance records, firm nominations,
and quantitative criteria, including assets under management and revenue
generated for their firms. Investment performance is not a criterion. Rankings
are based on the opinions of Barron's and this ranking may not be representative
of any one client’s experience. This ranking is not indicative of the Financial
Advisor’s future performance. Morgan Stanley Smith Barney LLC is not affiliated
with Barron's. Barron’s is a registered trademark of Dow Jones & Company, L.P.
All rights reserved.
Step 1: Discovery Process
Investing the time to learn more about you and your family, your assets and
liabilities, and the risk exposures, enables us to formulate strategies and
customize the relationship to your needs.
Step 2: Formulation of Tax, Trust and Estate Strategy
Working with your tax and legal advisors, we help analyze your income and estate
tax circumstance to identify and tailor planning techniques that may be used to
address your objectives.
Step 3: Creation of Customized Strategic Asset Allocation
Your customized asset allocation reflects risk, opportunities, and taxation
across multiple entities, while integrating your investing and estate plans.
Step 4: Integration of Tactical Asset Allocation
Short-term adjustments seek to capitalize on temporary market distortions.
Before making adjustments, we analyze the impact of taxes and trading costs on
potential returns.
Step 5: Implementation of a Customized Wealth Strategy
After comprehensive due diligence and analysis of expected results across
multiple market scenarios, strategies are chosen from our expansive investment
platform.
Step 6: Ongoing Asessment
In coordination with your other advisors, we can conduct ongoing reviews and
comprehensive reporting to ensure that your strategy adapts to changing
financial and family needs.
AWARDS & COMMUNITY INVOLVEMENT
Andrew Schultz has been consistently recognized as a leader in the industry by
Barron's, Forbes and the Financial Times since 2009. Andrew has also extensive
ties to the community and is involved in a number of organizations.
Morgan Stanley Community Leadership Recognition: Children's Diagnostic &
Treatment Center
One cause that Andrew is especially passionate about is the Children's
Diagnostic & Treatment Center, whose vision is to create a center of excellence
that inspires and supports the optimal potential of our community's children
with special health care needs through care, education, research, and
collaboration. Today, the Center serves more than 11,000 children and youth
annually. Its focus is to provide medical care, case management, social
services, and other types of intervention for children who suffer from chronic
illnesses. Additionally, the Center provides support and education to families
about development disabilities and chronic illnesses.
Andrew was recently recognized for his involvement with the Center. The Schultz
Group wants to thank Morgan Stanley for its generosity and the focus it's
brought on the Children's Diagnostic & Treatment Center. Andrew looks forward to
continue working with this incredible cause and seeing all the support they
provide to children and their families.
Watch: The Children's Diagnostic & Treatment Center
2024 Forbes Best-In-State Wealth Management Teams
Forbes Best-In-State Wealth Management Teams
Source: Forbes.com (Awarded Jan 2024) Data compiled by SHOOK Research LLC based
for the period from 3/31/22-3/31/23.
View Disclosures Here
Barron’s Top 1200 Financial Advisors: 2014-2024
Andrew Schultz has been awarded on the Barron's Top 1200 Financial Advisors
every year since 2014.
2014-2023 Barron's Top 1,200 Financial Advisors: State-by-State (formerly
referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (Awarded 2014-2022). Data compiled by Barron's based on
12-month period concluding in Sept of the year prior to the issuance of the
award.
Check out Andrew's Barron's Listing
2023 Forbes Top 100 Private Wealth Management Teams in America
The Schultz Group has been recognized by Forbes as one of the nation's Top 100
Private Wealth Management Teams for 2023.
Forbes America’s Top Wealth Management Teams - Private Wealth Source: Forbes.com
(Awarded Nov 2023) Data compiled by SHOOK Research LLC based on time period from
3/31/22-3/31/23.
View the Forbes Top 100 Listing for Private Wealth Here
Forbes Best in State Wealth Advisors: 2018-2024
Andrew Schultz has been awarded as a Forbes Best-in-State Wealth Advisors every
year since 2018.
2018-2023 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018-2022). Data compiled by SHOOK Research LLC
based 12-month time period concluding in June of year prior to the issuance of
the award.
Check out Andrew's Forbes Listing
Forbes Top 250 Financial Advisors: 2017-2024
Andrew Schultz has been awarded as a Forbes Top 250 Financial Advisors every
year since 2017.
2017-2023 Forbes America's Top Wealth Advisors
Source: Forbes.com (Awarded 2017-2022). Data compiled by SHOOK Research LLC
based on 12-month time period concluding in March of the year the award was
issued.
Check out Andrew's Forbes Listing
Barron’s Top 100 Financial Advisors: 2010-2012
Andrew Schultz was recognized as a Barron's Top 100 Financial Advisor every year
between 2010 and 2012.
2010-2012 Barron's Top 100 Financial Advisors (formerly referred to as Barron's
Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (Awarded 2010-2012). Data compiled by Barron's based on
12-month period concluding in Dec of the year prior to the issuance of the
award.
Barron’s Top 1,000 Financial Advisors: 2009-2013
Andrew Schultz was awarded on the Barron's Top 1000 Financial Advisors every
year between 2009 and 2013.
2009-2013 Barron's Top 1,200 Financial Advisors: State-by-State (formerly
referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (Awarded 2009-2013). Data compiled by Barron's based on
12-month period concluding in Sept of the year prior to the issuance of the
award.
Financial Times Top 400 Advisors: 2013, 2017
Andrew Schultz was recognized by the Financial Times as a Top 400 Adviser in
2013 and 2017.
Financial Times 400 Top Financial Advisors
Source: ft.com (Awarded Mar 2017) Data compiled by the Financial Times based on
time period from 9/30/14 - 9/30/16.
Financial Times 400 Top Financial Advisors
Source: ft.com (Awarded Apr 2013) Data compiled by Financial Times based on data
as of 12/31/12.
Forbes Top 200 Financial Advisors: 2016
Andrew Schultz was recognized as a Forbes Top 200 Financial Advisor in 2016.
Forbes America's Top Wealth Advisors
Source: Forbes.com (Awarded Aug 2016) Data compiled by SHOOK Research LLC based
on time period from 6/30/15 - 6/30/16.
Lecture at University of Florida Warrington College of Business
Andrew Schultz delivers lectures at his alma mater, University of Florida, on
sustainability and entrepreneurship.
Check out Andrew's UF Listing Here
United Way of Miami-Dade's Professional Advisor Committee
Broward Children's Diagnostic & Treatment Center
Andrew Schultz hosts an annual charity wine auction and dinner for the Broward
Children's Diagnostic and Treatment Center in Fort Lauderdale, Florida.
Herbert Wertheim College of Medicine Dean's Advisory Council
Andrew's Advisory Council Link Here
UF Young Entrepreneurs for Leadership & Sustainability (YELS)
Andrew Schultz helps sponsor the University of Florida YELS program.
University of Florida Alumni Association
Andrew Schultz graduated from University of Florida in 1989.
Andrew Schultz - University of Florida Listing
THE SCHULTZ GROUP DIFFERENCE
We believe financial education can lead to better insights into our investment
strategy, discipline, and ultimately, lead to better long-term results for you
and your family. As a result, we are committed to providing you with quality
insights from Andrew Schultz and Morgan Stanley Research through articles,
videos, and audio casts. Please feel free to contact us if you have any
questions you may have regarding the themes discussed.
Andrew Schultz's Latest Article: "My Thoughts - Look at The Now"
"Can you predict the future?
Please ask yourself this question. For most of us, that are honest with
ourselves, the answer is "no, unless we are very lucky." Given that most
rational people feel this way, it defies my comprehension how so many, in my
opinion, use their predictions of the future to make their investment decisions
and do so with such conviction..."
Link to Read the Full Article Below:
Click Here to Read "My Thoughts - Look at the Now" by Andrew Schultz
Archive of Andrew Schultz's "My Thoughts" Articles
Through the link below you will find a select number of articles that share
Andrew's thoughts and observations of market trends. Contact us to subscribe to
our future newsletters.
Click Here to Access Andrew Schultz's "My Thoughts" Articles
Andrew Schultz | 30th Anniversary Reflection
Since starting his career at Morgan Stanley in 1991, Andrew Schultz has learned
many lessons. From investment philosophies to planning strategies, we used
Andrew's 30th anniversary at Morgan Stanley to bring you these reflections.
Click Here to Access Andrew Schultz's 30th Anniversary Reflection Series
Listen to Andrew's Monthly Market Update Calls
Every month Andrew Schultz goes over his thoughts on the current state of the
market. The replay of his Monthly Market Update call from Wednesday, October
30th 2024, is now available. If you are interested in dialing in to future
market update calls, please email us and we will be happy to add you to our
mailing list.
Click Here to Listen to the Latest Replay
Andrew Schultz Thematics: How to Invest as Fed Hikes Rates
Top financial advisor Andrew Schultz, of Morgan Stanley, sees opportunity in
deep value stocks, strong growers, and fleeting chances to find undervalued
income investments.
Barron's Interview with Andrew Schultz - How to Invest as the Fed Hikes Rates
Andrew Schultz Thematics: The Live Work Play Phenomenon
In the following video, Andrew Schultz discusses different themes and insights
that shape his investment philosophy.
Watch: Andrew Schultz | The Live Work Play Phenomenon
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ANDREW SCHULTZ
Managing Director, Private Wealth Management, Private Wealth Advisor, Senior
Portfolio Management Director, Alternative Investments Director
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Phone:
(305) 695-6116(305) 695-6116
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JONATHAN FABER
Vice President, Wealth Management, Financial Advisor, Senior Portfolio Manager
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Phone:
(954) 509-3536(954) 509-3536
Contact Me
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KEMAR BENNETT
Group Director
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Visit Kemar Bennett on LinkedIn
Phone:
(305) 695-6153(305) 695-6153
View My Bio
PETER COLLAZO
Assistant Vice President, Investment Consultant
--------------------------------------------------------------------------------
Phone:
(305) 695-6127(305) 695-6127
View My Bio
AMANDA MOLINA
Wealth Management Associate
--------------------------------------------------------------------------------
Visit Amanda Molina on LinkedIn
Phone:
(305) 695-6131(305) 695-6131
View My Bio
SALOMON LAPCO
Registered Client Service Associate
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Visit Salomon Lapco on LinkedIn
Phone:
(305) 695-6142(305) 695-6142
View My Bio
AARON SMITH
Registered Client Service Associate
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Phone:
(305) 695-6145(305) 695-6145
View My Bio
JOSEPH PEREZ
Registered Client Service Associate
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Phone:
(305) 695-6152(305) 695-6152
View My Bio
ANTHONY POTESTAD
Registered Client Service Associate
--------------------------------------------------------------------------------
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Phone:
(305) 695-6151(305) 695-6151
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ADRIANNA SACCO
Client Service Associate
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Phone:
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ABOUT ANDREW SCHULTZ
As the Founder of the Schultz Group, Andrew Schultz leads a team of dedicated
professionals that provide prudent financial advice and the highest levels of
customer service to their clients. With more than 30 years of experience, Andrew
has built a solid reputation for creating highly customized investment
strategies to address the wide range of his clients’ needs and goals.
Andrew Schultz joined Morgan Stanley in 1991. Since 2002, he has been a member
of Morgan Stanley’s Chairman’s Club, an exclusive group of the firm’s
top-producing Financial Advisors. Andrew has been recognized yearly as one of
Forbes’ Top 250 Financial Advisors in the US from 2017-2024. He has also been
recognized on the Forbes Best-in-State Wealth Advisor list from 2018-2024.
Additionally, Andrew has been named on the Barron’s Top 1,200 Financial Advisors
list from 2014-2024 and the Barron's Top 1,000 Financial Advisors list from
2009-2013.
Andrew graduated from the University of Florida with a degree in Economics and
continued his professional education at the University of Pennsylvania’s Wharton
School, completing the Senior Financial Advisor’s Program and Investment
Consultant’s Program. Now, Andrew delivers lectures at his Alma Mater on
sustainability and entrepreneurship, as well as sitting on the Alumni
Association and helping sponsor the Young Entrepreneurs for Leadership and
Sustainability (YELS) program.
Within the community, Andrew sits on the United Way of Miami Dade Professional
Advisors Council and the Herbert Wertheim College of Medicine Dean’s Advisory
Council. Andrew also hosts an annual charity wine auction and dinner for Broward
Children’s Diagnostic & Treatment Center. Andrew and his wife Diana live with
their two daughters in Miami Beach, Florida.
2017-2024 Forbes America's Top Wealth Advisors
Source: Forbes.com (Awarded 2017-2024). Data compiled by SHOOK Research LLC
based on 12-month time period concluding in March of the year the award was
issued.
2018-2024 Forbes Best-In- State Wealth Advisors
Source: Forbes.com (Awarded 2018-2024). Data compiled by SHOOK Research LLC
based 12-month time period concluding in June of year prior to the issuance of
the award.
2014-2024 Barron's Top 1,200 Financial Advisors: State-by-State (formerly
referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (Awarded 2014-2024). Data compiled by Barron's based on
12-month period concluding in Sept of the year prior to the issuance of the
award.
2009-2013 Barron's Top 1,200 Financial Advisors: State-by-State (formerly
referred to as Barron's Top 1,000 Financial Advisors: State-by-State)
Source: Barrons.com (Awarded 2009-2013). Data compiled by Barron's based on
12-month period concluding in Sept of the year prior to the issuance of the
award.
Securities Agent: CA, CO, NY, NV, ME, TX, OH, NH, AZ, WA, VA, TN, MI, LA, SC,
KS, IL, FL, DE, CT, AR, PA, OR, NC, MT, ID, NM, ND, MN, DC, AL, VT, UT, MA, MD,
IN, SD, NJ, GA; General Securities Representative; Investment Advisor
Representative; Transactional Futures/Commodities; Managed Futures
NMLS#: 2133771
ABOUT JONATHAN FABER
Jon joined Morgan Stanley in 2007 and is a Vice President, Senior Portfolio
Manager, and Financial Advisor in the Aventura Complex. Jon holds designations
across the industry with life, health, and variable annuity licenses. Jon
received his bachelor’s degree from New York Institute of Technology. With over
15 years of industry experience, Jon has developed a deep understanding of the
intricacies of financial planning, wealth management, and investment planning.
Beyond his professional focus, Jon is known for his integrity, empathy, and
exceptional sense of detail. One of the main reasons he became a financial
advisor is to utilize his skills and knowledge of the capital markets towards
helpings families and individuals achieve their financial goals and avoid stress
through the growth cycle into full retirement. He sticks to a very structured
service model and closely works with every individual to create a customized
strategy that aligns with their financial objectives.
Jon is an active member of his community in Parkland, Florida. He currently sits
on the City of Parkland Charter Review board and is a past member of the City of
Parkland School Advisory Board. Jon is very involved with the Chabad of Parkland
and is an Honorary Member. Family is one of the utmost important things in Jon’s
life and is embedded in his core values. He resides in Parkland, Florida with
his wife of 26 years, Stacey, and two sons Ethan and Jordan. Outside of work,
Jon enjoys reading, fine dining, biking, and spending time with family and
friends.
Securities Agent: KS, VT, MN, IL, CO, AZ, TN, NM, NC, CT, UT, NV, MT, ID, SD,
ME, MD, DC, SC, OR, NJ, ND, MI, MA, WA, PA, OH, NY, LA, FL, TX, NH, DE, AR, AL,
IN, GA, CA, VA; General Securities Representative; Investment Advisor
Representative; Managed Futures
NMLS#: 1279582
ABOUT KEMAR BENNETT
Kemar began his career at Morgan Stanley in 2008, working in New York City. He
has held various Accounting/Finance roles with the Firm, most recently spending
5 years supporting Wealth Management on the Product Control and CFO side of the
business. Kemar grew up in South Florida and returned home in the fall of 2019.
He joined The Schultz Group shortly afterwards with the intention of applying
his macro Private Wealth Management knowledge base to the client side of the
business. He is a graduate of Florida International University with Bachelor
degrees in both Economics and Finance. Kemar holds the Series 7 and Series 66.
ABOUT PETER COLLAZO
Peter's role as an Investment Consultant is the culmination of his 15 years of
experience in the financial services industry. With a robust background of
positions spanning Lead Operations Controller and Senior Registered Associate,
he has honed his skills in operational intricacies and financial analytics.
In his current capacity, Peter goes beyond conventional expectations, actively
fortifying client relationships with an arsenal of market insights and product
knowledge to tailor financial solutions for High- and Ultra-High-Net-Worth
clients. His commitment to staying ahead in an ever-evolving financial
environment is evident as he navigates its complexities for his clients.
Working directly alongside Andrew Schultz, Peter stands at the forefront of
initiatives to streamline service models, demonstrating a keen understanding of
the nuanced needs and concerns of High-Net-Worth clients. He is an avid WW1 and
WW2 historian.
Peter graduated from Florida International University with a bachelor’s degree
in interdisciplinary studies and holds his Series 7, Series 63, and Series 65
licenses.
ABOUT AMANDA MOLINA
Amanda began her career in 2008 at Morgan Stanley Smith Barney working in
Operations here in Miami Beach. She then broadened her experience and spent time
on the Independent Registered Investment side of the business where her group
partnered with custodians such as Fidelity Investments and Charles Schwab.
Amanda’s attention to detail and her caring manner are characteristics that help
her excel in all aspects of Wealth Management. Amanda holds the Series 7, 63 and
65.
ABOUT SALOMON LAPCO
Salomon joined the Schultz Group in March of 2021, after completing multiple
internships within the wealth management industry. Born in Pittsburgh, with a
Venezuelan heritage, Salomon was raised in Florida where he attended the
University of Central Florida, graduating with a Bachelor’s in Finance. He is
trilingual, being fluent in English, Spanish, and Hebrew. During his time in
undergraduate studies he studied abroad in Australia for a semester, where he
obtained a minor in International Business. Salomon’s curiosity and will of
learning new things led him to wealth management where he found a passion for
helping others. He loves spending most of his free time outdoors, playing
soccer, golf, and anything else to stay active.
Salomon holds the Series 7 and the Series 66.
ABOUT AARON SMITH
Aaron has been working in the financial industry since 2021. He worked in
private equity at a boutique firm in Fort Lauderdale before joining the Schultz
Group in August 2022.
Aaron was born in Atlanta, Georgia and raised in Southern California. He
graduated from Arizona State University with a bachelors in Political Science,
before finding his passion in finance.
Aaron moved to South Florida, where he enjoys the beach, sports and spending
time with his family and two dogs.
Aaron holds the series 7, series 63 and the series 65.
ABOUT JOSEPH PEREZ
Joseph Perez joined the Schultz Group in May 2022. His affinity for finance led
him to pursue a career in wealth management where he has excelled in client
service. Born in Miami, with a Cuban background, Joseph was raised in Florida
where he is currently pursuing his Bachelor’s in Economics. Joseph is bilingual,
speaking both Spanish and English. During his free time he enjoys exercising,
reading and studying about markets & economics and spending time with friends.
Joseph holds both his Series 7 and his series 66.
ABOUT ANTHONY POTESTAD
Anthony Potestad brings a rich tapestry of experiences to his role. Prior to
beginning his career in the financial industry, Anthony honed his skills in the
real estate sector, where he excelled in sales and residential property
appraisals. These roles gave him an understanding of client needs, coupled with
a keen analytical sharpness. After earning an MBA from St. Thomas University's
School of Business, Anthony made the seamless transition into the financial
sector, initially working at E*TRADE before joining Morgan Stanley in 2024.
Originally from Miami, Florida, Anthony's roots trace back to Cuba, imbuing him
with a profound appreciation for his heritage and community. When he's not
immersed in the world of finance, Anthony enjoys pursuing his passions for golf,
exercise and music. With a diverse educational background, including a
Psychology degree from Florida International University and an MBA, coupled with
his series of professional certifications, Anthony stands as a trusted member of
the team - dedicated to guiding his clients toward their unique, financial goals
and peace of mind.
Beyond his professional endeavors, Anthony is deeply engaged in community
initiatives. He actively participates in the American Cancer Society's "Relay
for Life." Additionally, he is a member of Kappa Gamma Pi, the Honor's Society
at St. Thomas University, where he continues to contribute to his alma mater's
legacy of excellence.
ABOUT ADRIANNA SACCO
Adrianna joined the Schultz Group in January of 2024, after working in the
Investment Management side of the firm, as a Mutual Funds Representative. She
originally started her career Morgan Stanley in 2021, as an intern for a Wealth
Management Team located in Palm Beach Gardens.
Adrianna was born and raised in Westchester, NY. She graduated from the
University of Miami- Herbert Business School with a BBA in Business Technology.
During her free time, she enjoys spending time with her family, cooking, and
giving back to the community.
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Thought Leadership for our ultra high net worth clients, which contains
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ENHANCING FLEXIBILITY AND CONTROL WITH DIRECTED TRUSTS
Discover how a directed trust can be a valuable tool in your estate plan.
MANAGING SIGNIFICANT WEALTH
* Investment Management
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FUNDING CLIMATE ACTION: PATHWAYS FOR PHILANTHROPY
Share a new report in collaboration with the Aspen Institute. The report aims to
help climate-oriented philanthropists explore critical issues and align their
wealth management strategies with their environmental impact ambitions.
WEALTH MANAGEMENT FOR ATHLETES AND ENTERTAINERS
Understanding the unique financial challenges of athletes and entertainers and
how they differ from one profession to the next, we deliver the experience and
resources you need to help create and implement a comprehensive,
multigenerational wealth management plan based on your needs, values and
aspirations.
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PRIVATE WEALTH MANAGEMENT PODCAST
Bringing you engaging stories and key insights surrounding the complexities
associated with significant wealth, including:
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LISTEN | THE PYRAMID OF GIVING: WHEN TO SAY YES. HOW TO SAY NO.
You can support the people and causes you care about, while also turning down
requests when you feel you have done enough. Tune in for tips and hear from
Katherine Lorenz, President of the Cynthia and George Mitchell Foundation, who
shares her story.
We look forward to discussing your needs and goals, and the exceptional
resources we can place at your disposal.
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1Alternative Investments are speculative and include a high degree of risk. An
investor could lose all or a substantial amount of his/her investment.
Alternative investments are appropriate only for qualified, long-term investors
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LLC. A Tailored Lending credit facility may be a committed or demand loan/line
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underwriting standards and independent approval of Morgan Stanley Private Bank,
National Association. Tailored Lending loans/lines of credit may not be
available in all locations. Rates, terms, and programs are subject to change
without notice. Other restrictions may apply. The information contained herein
should not be construed as a commitment to lend. Morgan Stanley Private Bank,
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of the Comptroller of the Currency. The proceeds from a Tailored Lending
loan/line of credit (including draws and other advances) may not be used to
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types of investments may increase or decrease over varying time periods. The
returns on a portfolio consisting primarily of sustainable or impact investments
may be lower or higher than a portfolio that is more diversified or where
decisions are based solely on investment considerations. Because sustainability
and impact criteria exclude some investments, investors may not be able to take
advantage of the same opportunities or market trends as investors that do not
use such criteria.
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this website may not be suitable for all investors. The appropriateness of a
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Glossary
A
Alpha
Measures the difference between a fund’s actual returns and its expected
performance, given its level of risk as measured by Beta. A positive Alpha
figure indicates the fund has performed better than its Beta would predict. A
negative Alpha indicates the fund’s underperformance given the expectations
established by the fund’s Beta. The accuracy of Alpha is therefore dependent
on the accuracy of Beta. Many investors see Alpha as a measurement of the
value added or subtracted by a fund manager.
Annual Portfolio Turnover
The lesser of purchases or sales of portfolio securities divided by the
fund’s monthly assets. This figure is then annualized. The number is intended
to give investors an indication of how frequently management trades
securities.
Asset Allocation
How a portfolio is apportioned among different types of investments such as
stocks, bonds and money market investments.
Average Coupon
Weighted average of the interest rates on the bonds the issuers promise to
pay the fund if held to maturity, expressed as a percentage of face value.
Average Credit Rating
Weighted average of the credit quality ratings on the bonds in the fund’s
portfolio. The ratings used in this calculation are from Standard & Poor’s,
with AAA being the highest possible rating.
Average Maturity
Calculated by creating a weighted average of the stated maturities for the
bonds in a fund’s portfolio.
Average Modified Duration
Weighted-average term to maturity of the bonds in the fund’s portfolio.
Generally, the longer a fund’s average duration, the more sensitive it will
be to changes in interest rates.
Average Yield To Maturity
Represents the internal rate of return of the bonds in a fund’s portfolio
assuming the bonds’ interest is reinvested, and the bonds are held to
maturity.
B
Balanced Portfolio
A portfolio containing several different investment types. Most balanced
portfolios are invested in stocks, bonds and money market instruments.
Barclays Capital Aggregate Index
Covers the U.S. investment-grade fixed-rate bond market, including government
and credit securities, agency mortgage pass through securities, asset-backed
securities, and commercial mortgage-based securities.
Barclays Capital Global Us Tips Index
Includes bonds that have cash flows linked to an inflation index. All bonds
must be sovereign issues and be denominated in the relevant national currency
and all bonds must have more than one year to maturity.
Barclays Capital Government/Corporate Bond Index
Composed of publicly issued, fixed rate, non-convertible domestic debt in
three major classifications: industrial, utility, financial, as well as the
domestic debt of the U.S. Government of any agency thereof. All issues have
at least one year to maturity, or an outstanding par value of at least $100
million for U.S. Government issues and $50 million for corporate issues. All
corporate issues have a minimum rating of Baa by Moody’s or BBB by Standard
and Poor’s.
Barclays Capital High Yield Index
Covers the universe of fixed rate, non-investment-grade debt. All bonds
included in the High Yield Index must be dollar-denominated and
nonconvertible and have at least one year remaining to maturity and an
outstanding par value of at least $150 million.
Barclays Capital Intermediate Government/ Corporate Bond Index
Subset of the Barclays Capital Government/Corporate Bond Index covering
issues with maturities up to 10 years.
Barclays Capital Intermediate Government/ Credit Bond Index
Includes securities in the Government and Credit Indices. The Government
Index includes treasuries and agencies. The Credit Index includes publicly
issued U.S. corporate and foreign debentures and secured notes that meet
specified maturity, liquidity, and quality requirements. This index is a
subset of the Barclays Capital Aggregate Index covering issues with
maturities between one and ten years.
Barclays Capital Long Term Government/ Credit Bond Index
Includes securities in the long maturity range of the Government/ Credit
Index with maturities of 10 years or longer.
Barclays Capital Mortgage Backed Securities Bond (MBS) Index
Covers the mortgage-backed pass through securities of Ginnie Mae (GNMA),
Fannie Mae (FNMA), and Freddie Mac (FHLMC). The MBS Index excludes buy downs,
graduated-equity mortgages, and project loans. The MBS Index is formed by
grouping the universe of over one million individual fixed-rate MBS pools
into approximately 2,900 generic aggregates (although only a certain number
meet the index criteria).
C
Capital Appreciation
Increase in the price of an investment; also known as growth.
Capital Gain/ Loss
The profit (loss) that results from a change in the price of an asset. A
realized gain (loss) occurs when an investment security is sold at a price
above (below) its cost.
Capital Markets
A term encompassing all the securities markets in which stocks, bonds and
money market instruments are traded.
Capital Preservation
An investment objective in which protecting the investor’s initial investment
from loss is the primary goal.
Capitalization (Average)
Total capitalization of the portfolio divided by the number of securities in
a portfolio. Capitalization (Equal-Weighted) - represents the average market
capitalization of the stocks in the fund’s portfolio. It is derived by adding
the market capitalization of all stocks held in the fund’s portfolio and
dividing by the total number of stocks in the portfolio.
Capitalization (Market Cap-Weighted)
Represents the average market capitalization of the stocks in the fund’s
portfolio, but is weighted on the basis of the total market value of each
company’s outstanding shares.
Capitalization (Median)
Statistical median of all of the securities’ capitalizations in a portfolio.
Capitalization (Weighted) - the portfolio-weighted simple mean of all stocks’
capitalizations in a portfolio.
Capitalization Sectors
Compares the size of the companies whose stocks are held by the mutual fund
to the size of the companies that comprise the fund’s benchmark.
Cash Equivalents
Investments in short-term debt obligations issued by governments, banks and
corporations. The obligations mature less than one year from issuance.
Citigroup Non-U.S. Government Bond Index (Un-Hedged)
Market-capitalization-weighted benchmark that tracks the performance of all
world government bond markets in the Citigroup World Government Bond Index
except the United States. Countries included in the index are Australia,
Austria, Belgium, Canada, Denmark, Finland, France, Germany, Greece, Ireland,
Italy, Japan, the Netherlands, Norway, Poland, Portugal, Singapore, Spain,
Sweden, Switzerland, and the United Kingdom.
Citigroup World Government Bond Index (WGBI) (Hedged)
Is a market-capitalization-weighted benchmark that tracks the performance of
the 22 government bond markets of Australia, Austria, Belgium, Canada,
Denmark, Finland, France, Germany, Greece, Ireland, Italy, Japan, the
Netherlands, Norway, Poland, Portugal, Singapore, Spain, Sweden, Switzerland,
the United Kingdom, and the United States.
Commercial Paper
Unsecured debt generally issued by companies to meet short-term financing
needs. Commercial paper represents a large portion of the so-called money
market.
Consumer Price Index (CPI)
A measure of inflation. The CPI is equal to the sum of prices of a number of
goods purchased by consumers and weighted by the proportion each represents
in a typical consumer’s budget.
Credit Quality
A measure of the likelihood that a company will be able to make interest and
principal payments on its bonds or other debt securities. Standard & Poor’s
Corporation and Moody’s Investors Service rate the credit quality of publicly
traded debt securities. Bonds with the highest credit quality ratings are
known as “investment grade,” and bonds with poor credit quality ratings are
known as “speculative.”
Current Income
Cash interest regularly received on fixed income investments and cash
dividends regularly received on stocks.
D
Developed Market
While not strictly defined, includes countries that (1) possess a per capita
Gross Domestic Product substantially higher than the average for Emerging
Markets; (2) hold fewer government-imposed barriers to foreign investment;
and (3) have more strict regulatory environments. Investing in these
countries is perceived as “less risky” because they are generally considered
more politically and/ or economically stable than countries in the Emerging
Markets. Countries in the Developed Markets category include the United
States, Canada, Japan and Germany.
Diversification
The process of investing in a number of different types of investments to
reduce the risk of poor performance by any one type of investment having a
big impact on overall portfolio results. Diversification does not ensure
against loss.
Dividend
Cash payment made by a company to stockholders.
Dividend Yield
Total amount of cash dividends received annually on a share of stock divided
by the price of the stock.
Dow Jones-AIG Commodity Index
Rolling commodities index composed of futures contracts on 19 physical
commodities traded on U.S. exchanges with the exception of aluminum, nickel
and zinc, which trade on the London Metal Exchange. The index is designed to
be a highly liquid and diversified benchmark for commodities as an asset
class.
Down Capture Ratio
Ratio of the fund’s overall performance to the benchmark’s overall
performance, considering only periods that are negative in the benchmark. A
Down Capture Ratio of less than 100% indicates a fund outperformed the
relative benchmark in the benchmark’s negative quarters and protected more of
a portfolio’s value during down markets.
E
EAFE Index
An abbreviation for the Morgan Stanley Capital International Europe,
Australasia and Far East Index, an index of overseas stock performance.
Earnings Per Share (EPS)
Earnings per share; a company’s net income divided by the total number of
outstanding shares. Investment managers use it as a measure of the firm’s
profitability.
Earnings Per Share (EPS) Growth, Next 5 Years
Annualized percentage change between the most recent actual fiscal year EPS
and the 5-year EPS consensus forecast from I/B/E/S, a database of analysts’
estimates of future earnings for publicly traded companies.
Economic Sectors
Types of industries represented by the stocks held by the fund. The
percentage of the fund’s equity securities representing each economic sector
is compared to the percentage of securities held in the fund’s benchmark.
Emerging Markets
While not strictly defined, include countries that (1) possess a per capita
Gross Domestic Product substantially below the average for Developed Markets;
(2) hold substantially greater government-imposed barriers to foreign
investment; and (3) may have lax regulatory environments. Investing in these
countries is perceived as “more risky” because they may not be as politically
and/or economically stable as countries in the Developed Markets. Countries
in the Emerging Markets category include Brazil, Chile, Mexico and Taiwan.
Employee Retirement Income Security Act (ERISA)
Passed in 1974, ERISA established the legal standards by which retirement
plans are required to be managed.
Equity
The ownership interest of common and preferred stockholders in a company.
Also see COMMON STOCKS.
ERISA
See EMPLOYEE RETIREMENT INCOME SECURITY ACT.
Excess Return
Represents the average quarterly total returns of the manager relative to its
benchmark. A fund with a positive Excess Return has on average outperformed
its benchmark on a quarterly basis. This statistic is obtained by subtracting
the benchmark return from the fund’s return.
Expected Return
The return investors anticipate they will receive on an investment over some
future period. The expected return often differs from the investors’ realized
return.
Expense Ratio
Measures the fund’s annual expenses as a percentage of net assets. Expenses
include all management and administrative fees, but exclude brokerage costs.
F
Fiduciary
A person or group vested with legal power and responsibilities that are to be
used for the benefit of another person or group.
Fixed Income Investments
Debt securities, such as bonds and money market instruments, with specified
interest and principal payment dates and amounts. Can also include preferred
stock.
G
Global Beta
Measures an international fund’s volatility relative to its benchmark. It is
calculated by dividing the fund’s standard deviation by the standard
deviation of the market performance times the correlation of the fund and
market performance. Market performance is represented by the Morgan Stanley
EAFE Index.
Growth Sectors
Indicates the percentage of stocks in the fund’s portfolio, along with
percentages of stocks in the fund’s benchmark, whose earnings are estimated
to grow at various rates. Earnings estimates are obtained from I/B/E/S, a
database of analysts’ estimates of future earnings for publicly traded
companies.
Growth Stocks
Stocks of companies whose earnings are expected to grow rapidly.
I
Income
See CURRENT INCOME.
Information Ratio
Represents the Excess Return divided by the Tracking Error. It provides a
measure of the historical consistency of the fund’s over performance or
underperformance relative to its benchmark.
Interest Rate Cycle Analysis
Illustrates how fixed-income funds have performed in various interest rate
climates, including falling and rising rate periods.
Interest Rate Risk
The risk associated with a change in market interest rates and the associated
change in the price of a security.
Investment Discipline
How an investment manager implements an investment style.
Investment Grade
Fixed income investments receiving high credit quality ratings. Bonds are
investment grade if they have a BBB or better rating by Standard & Poor’s
Corp. or a Baa or better rating by Moody’s Investors Service.
Investment Manager
The individual or firm responsible for the day-today decisions involving an
investment portfolio. The manager decides which stocks or bonds to buy or
sell and when. Investment managers must be registered with the Securities and
Exchange Commission and/or with the state where they do business.
Investment Monitor
A portfolio performance report sent to Consulting Group clients every
quarter.
Investment Objective
The goal of an investment strategy followed by an investor or investment
manager. Investment objectives can be designed to generate long-term growth,
current income or a combination of both.
Investment Policy Statement
A summary of an individual’s or institution’s investment objectives that
serves as a guide for many investment decisions.
Investment Style
Refers to a fund manager’s general discipline and philosophy that is employed
during the investment decision making process.
L
Lipper Emerging Markets Average
Calculated by Lipper, Inc. and includes all funds that, by portfolio
practice, seek long-term capital appreciation by investing at least 65% of
total assets in emerging market equity securities, where “emerging market” is
defined by a country’s GNP per capita or other economic measures.
Lipper Funds Average
Calculated by Lipper, Inc. and includes all funds in the stated Lipper
Category group in existence for that period. Universes are dynamic due to
revisions for new funds, mergers and liquidations which result in change in
the number of funds in a particular category and therefore it will be
inaccurate if historical averages are linked.
Lipper General Municipal Debt Funds Average
Average of the reinvested performance of funds that invest at least 65% of
their assets in municipal debt issues in the top four credit ratings.
Lipper High Current Yield Fund
Aims at high relative current yield from fixed income securities, has no
quality or maturity restrictions, and tends to invest in lower grade debt
issues.
Lipper Intermediate Income Funds Average
An average of the reinvested performance of funds that invest primarily in
U.S. dollar and non-U.S. dollar debt securities located in at least three
countries, excluding the United States, except in periods of market weakness.
Lipper Intermediate Investment Grade Debtdeby Fund
Invests at least 65% of its assets in investment grade issues (rated in top
four grades) with dollar-weighted average maturities of 5 to 10 years.
Lipper Intermediate Multi-Cap Core
Funds that, by portfolio practice, invest in a variety of market
capitalization ranges without concentrating 75% of their equity assets in any
one market capitalization range over an extended period of time. Multicap
funds typically have 25% to 75% of their assets invested in companies
strictly outside of the U.S. with market capitalizations (on a 3-year
weighted basis) above 400% of the 75th market capitalization percentile of
the S&P/Citigroup World ex-U.S. Broad Market Index. Multi-cap core funds
typically have an average price-to-cash flow ratio, price-to-book ratio, and
3-year sales-per-share growth value compared to the S&P/Citigroup World
ex-U.S. BMI.
Lipper Large Cap Growth Fund Average
Calculated by Lipper, Inc. and includes all funds that, by portfolio
practice, invest at least 75% of their equity assets in companies with market
capitalizations (on a 3-year weighted basis) greater than 300% of the
dollar-weighted median market capitalization of the middle 1,000 securities
of the S&P SuperComposite 1500 Index. Large cap growth funds typically have
an above-average price-to-earnings ratio, price-to-book ratio, and 3-year
sales-per-share growth value, compared to the S&P 500 Index.
Lipper Large Cap Value Fund Average
Calculated by Lipper, Inc. and includes all funds that, by portfolio
practice, invest at least 75% of their equity assets in companies with market
capitalizations (on a 3-year weighted basis) greater than 300% of the
dollar-weighted median market capitalization of the middle 1,000 securities
of the S&P SuperComposite 1500 Index. Large cap value funds typically have a
below-average price-to-earnings ratio, price-to-book ratio, and 3-year
sales-per-share growth value, compared to the S&P 500 Index.
Lipper Small Cap Growth Funds Average
Calculated by Lipper, Inc. and includes all funds that, by portfolio
practice, invest at least 75% of their equity assets in companies with market
capitalizations (on a 3-year weighted basis) less than 250% of the
dollar-weighted median of the smallest 500 of the middle 1,000 securities of
the S&P SuperComposite 1500 Index. Small-cap growth funds typically have an
above-average price-to-earnings ratio, price-to-book ratio, and 3-year
sales-per-share growth value, compared to the S&P Small Cap 600 Index.
Lipper Small Cap Value Fund Average
Calculated by Lipper, Inc. and includes all funds that, by portfolio
practice, invest at least 75% of their equity assets in companies with market
capitalizations (on a 3-year weighted basis) less than 250% of the
dollar-weighted median of the smallest 500 of the middle 1,000 securities of
S&P SuperComposite 1500 Index. Small-cap value funds typically have a
below-average price-to-earnings ratio, price-to-book ratio, and 3-year
sales-per-share growth value, compared to the S&P Small Cap 600 Index.
Lipper US Government Money Market Fund
Invests principally in financial instruments issued or guaranteed by the U.S.
Government, its agencies, or its instrumentalities, with dollar-weighted
average maturities of less than 90 days. Intend to keep constant net asset
value.
Liquidity
The ease with which investments can be bought or sold quickly without having
a major impact on the price of those investments. Please note that all liquid
stocks do come with some level of price risk.
M
Manager Tenure
Indicates the number of years the current portfolio manager has been managing
the portfolio. When more than one portfolio manager manages a fund, the
average tenure of the managers is listed.
Market Capitalization
The market value of a company. It equals the current stock price of a company
multiplied by the total number of outstanding shares.
Market Cycle
Generally regarded as a time period of 5 to 10 years.
Market Cycle Return Analysis
Shows how an equity fund has performed in various market cycles, including
bull and bear. Information on market capitalization cycles, such as large-cap
value and growth and small-cap value and growth, is shown relative to the
appropriate style of the fund.
Market Timing
An attempt to sell investments before they decrease in value and buying them
when they are about to increase in value. Market timer investors will move
their money among stocks, bonds and money market instruments based upon their
expectations of short-term price changes in the capital markets.
Merrill Lynch Treasury 1-2.99 Index
Sub-index of the Merrill Lynch Treasury Master Index. Includes issues in the
form of publicly placed, coupon-bearing US Treasury debt. Issues must carry a
term to maturity of at least 1 year.
Money Manager
See INVESTMENT MANAGER.
Money Market
The market in which short-term, highly liquid, low-risk assets such as
Treasury bills, bank certificates of deposit (CDs), corporate commercial
paper and banker’s acceptances are traded.
Morgan Stanley EAFE Index (Capitalization Weighted)
Composite portfolio of equity (stock market) total returns for countries of
Europe, Australia, New Zealand and the Far East. The return for each country
is weighted on the basis of its market capitalization.
Morgan Stanley Emerging Equity Markets Free Gross Dividend Index
Composite portfolio consisting of equity total returns for countries with low
to middle per capita income, as determined by the World Bank. Some of these
countries include: Argentina, Greece, India, Malaysia, Portugal, and Turkey.
The return for each country is weighted on the basis of its total market
capitalization.
MSCI ACWI (All Country World) EX US Index
Free float-adjusted market capitalization index that is designed to measure
equity market performance in the global developed and emerging markets
excluding U.S.
MSCI ACWI (All Country World) Index
Free float-adjusted market capitalization index that is designed to measure
equity performance in the global developed and emerging markets.
MSCI EAFE and Emerging Markets Growth/ Value Indices
Please see MSCI Growth/Value Indices for definition.
MSCI EAFE Index (Europe, Australasia, Far East)
Free float-adjusted market capitalization index that is designed to measure
developed market equity performance, excluding the U.S. & Canada.
MSCI Emerging Equity Markets Gross Dividend Index
Free float-adjusted market capitalization index that is designed to measure
equity market performance in the global emerging markets.
MSCI Growth/ Value Indices
Cover the full range of developed, emerging and All Country MSCI Equity
Indices. The objective of the index design is to divide constituents of an
underlying MSCI Standard Country Index into a value index and a growth index,
each targeting 50% of the free float adjusted market capitalization of the
underlying country index. Country Value/Growth indices are then aggregated
into regional Value/Growth indices. Prior to May 30, 2003, the indices used
Price/ Book Value (P/BV) ratios to divide the standard MSCI country indices
into value and growth indices. All securities were classified as either
“value” securities (low P/BV securities) or “growth” securities (high P/BV
securities), relative to each MSCI country index.
N
Nareit Index
Includes all Real Estate Investment Trusts (REITs) that are publicly traded
and members of the three major stock exchanges (NYSE, AMEX and NASDAQ).
Constituents are reviewed on a monthly basis and companies are added or
deleted based on a variety of corporate actions, such as mergers,
acquisitions, initial public offerings, etc.
Ninety-Day Treasury Bill Index
Unweighted average of weekly auction offering rates of 90-Day Treasury Bills.
Treasury Bills are backed by the full faith and credit of the U.S.
Government.
Nominal Return
The return on an investment, not adjusted for the effect of inflation.
P
P/E Ratio-IBES Expected Earnings
Forward-looking calculation based on estimates of future earnings. Earnings
estimates are obtained from I/B/E/S, a database of analysts’ estimates of
future earnings for publicly traded companies.
P/E Ratio-Past 12 Months Earnings
Backward-looking calculation based on earnings for the prior 12-month period.
P/E Sectors
Provides a relative measure of the extent to which the stocks held by the
mutual fund are “value” or “growth.”
Pension Protection Act
Signed into law in August 2006 and sets statutory support for defined benefit
rules, and new rules for defined contribution plans, employer securities and
non qualified plans.
Performance
The change in value of an investment or portfolio over a specific period of
time. The overall performance of an investment includes any income and
realized and unrealized capital gains/ losses.
Portfolio
The combined securities held by an investor.
Portfolio Characteristics
Provide important information about the fund. Included are the name of the
fund manager and the number of years the manager has been overseeing the
fund’s investments. Portfolio characteristics also provide a breakdown of the
fund’s assets in the three major asset classes: stocks, bonds and cash. A
breakdown of the portfolio between domestic and foreign securities may also
be indicated.
Price/ Book Ratio
Represents the weighted average of the price/ book ratios of the stocks in a
fund’s portfolio. This valuation measure compares a stock’s current price to
its intrinsic—or book—value.
Price/ Earning Ratio (P/E Ratio)
Represents the average P/E ratio of the stocks in the fund’s portfolio. The
P/E ratio for a stock is determined by dividing the stock price by earnings
per share. P/E ratios can be interpreted as how much an investor is willing
to pay for one year’s earnings.
Principal
The amount of money borrowed by a company in issuing a bond or other fixed
income security. For many fixed income securities, it represents the amount
that must be repaid by the borrower upon maturity.
R
R-Squared (R2)
Represents the percentage of the volatility of returns that is attributable
to movements of the benchmark. It is a measure of “co-movement” between a
portfolio and the benchmark. The closer the portfolio’s R2 is to 100%, the
more closely the portfolio correlates to, or follows, the benchmark.
Generally, highly diversified portfolios have higher R2 percentages.
R2 (Equity and Fixed Income)
Shows the degree of correlation of the returns of the fund manager to the
regression line (determined by the index), with 1.0 indicating perfect
correlation and 0 meaning no correlation. An index fund, for example, would
have an R2 of 1.0.
Real Return
The return on an investment minus the effects of inflation.
Reinvestment Risk
The risk of being unable to invest the proceeds of a fixed income investment
upon maturity, or coupon, into other fixed income securities having a
comparable interest rate. The risk is created by the possibility of a future
drop in market interest rates.
Representative Holdings
Indicate representative stocks that comprise significant percentages of the
fund’s investments.
Risk
The possibility that the actual return on an investment will be different
from the expected return. Typically, expect high potential returns for taking
on greater risk. However, not investing aggressively enough may lead to short
fall.
Risk-Free Investment
A riskless investment; short-term U.S. Treasury securities are generally used
as a proxy for a risk-free investment.
Russell 1000 Growth Index
Measures the performance of those Russell 1000 companies with higher
price-to-book ratios and higher forecasted growth values.
Russell 1000 Index
Measures the performance of the 1,000 largest companies in the Russell 3000
Index, which represents approximately 92% of the total market capitalization
of the Russell 3000 Index.
Russell 1000 Value Index
Measures the performance of those Russell 1000 companies with lower
price-to-book ratios and lower forecasted growth values.
Russell 2000 Growth Index
Measures the performance of those Russell 2000 companies with higher
price-to-book ratios and higher forecasted growth values.
Russell 2000 Index
Measures the performance of the 2,000 smallest companies in the Russell 3000
Index, which represents approximately 8% of the total market capitalization
of the Russell 3000 Index.
Russell 2000 Value Index
Measures the performance of those Russell 2000 companies with lower
price-to-book ratios and lower forecasted growth values.
Russell 2500 Growth Index
Measures the performance of those Russell 2500 companies with higher
price-to-book ratios and higher forecasted growth values.
Russell 2500 Value Index
Measures the performance of those Russell 2500 companies with lower
price-to-book ratios and lower forecasted growth values.
Russell 3000 Growth Index
Measures the performance of those Russell 3000 Index companies with higher
price-to-book ratios and higher forecasted growth values. The stocks in this
index are also members of either the Russell 1000 Growth or the Russell 2000
Growth indexes.
Russell 3000 Index
Measures the performance of the 3,000 largest U.S. companies based on total
market capitalization, which represents approximately 98% of the investable
U.S. equity market.
Russell 3000 Value Index
Measures the performance of those Russell 3000 Index companies with lower
price-to-book ratios and lower forecasted growth values. The stocks in this
index are also members of either the Russell 1000 Value or the Russell 2000
Value indexes.
Russell Mid Cap Growth Index
Measures the performance of those Russell Mid cap companies with higher
price-to-book ratios and higher forecasted growth values. The stocks are also
members of the Russell 1000 Growth index.
S
S&P 500
A representative sample of 500 leading companies in leading industries of the
U.S. economy. Although the S&P 500 focuses on the large-cap segment of the
market, with over 80% coverage of U.S. equities, it is also an ideal proxy
for the total market. The Index is calculated using a baseweighted aggregate
methodology, meaning the level of the Index reflects the total market value
of all component stocks relative to a particular base period. Total market
value is determined by multiplying the price of its stock by the number of
shares outstanding.
Securities and Exchange Commission (SEC)
A federal government agency, which was created by the Securities and Exchange
Act of 1934, that regulates the securities industry and administers federal
securities laws.
Sharpe Ratio
Measures a portfolio’s rate of return based on the risk it assumed and is
often referred to as its risk-adjusted performance. Using Standard Deviation
and returns in excess of the returns of T-bills, it determines reward per
unit of risk.
Standard Deviation
Quantifies the volatility associated with a given product. The statistic
measures the annualized quarterly variation in returns around the mean
return. Unlike Beta, which measures volatility relative to the aggregate
market, Standard Deviation measures the absolute volatility.
Stocks
See COMMON STOCKS and EQUITY.
Sub-Style Labels
Such as Conservative/Traditional/ Aggressive Growth or
Discount/Traditional/Relative Value can help explain some differences in
investment philosophies, performance, volatility and portfolio
characteristics in a quick and concise manner. Various market cycles may make
a manager shine or look poor, sub-styles can enhance one’s understanding of
the reasons behind a manager’s relative performance. These are subjective
classifications based on CG’s understanding of a manager’s long-term
investment philosophy and portfolio structuring techniques. Not all managers
in a sub-style will display every trait consistent with that sub-style.
Further, substyle classifications may change due to changes in the markets,
benchmarks, industry trends, or a manager’s personnel or process.
T
Time Horizon
The amount of time until the allotted money is needed. This can typically be
one, five, or even ten years.
Top Five Countries (International Funds Only)
Shows the five countries in which the largest percentage of the fund’s assets
are invested.
Top Five Currencies (International Funds Only)
Shows the five top currencies in which the fund has the largest exposure. The
Top Five Currencies may differ from the Top Five Countries due to the effect
of a fund’s hedging techniques.
Total Return
Indicates the short- and long-term investment returns earned by the fund,
along with the returns of its benchmark and/or index.
Tracking Error
Represents the Standard Deviation of the Excess Return. This provides a
historical measure of the variability of the fund’s returns relative to its
benchmark. A fund with a low Tracking Error would have quarterly Excess
Returns that have exhibited very low volatility.
Treasury Bills
A short-term debt obligation backed by the U.S. government with a maturity of
less than one year. T-bills are sold in denominations of $1,000 up to a
maximum purchase of $5 million and commonly have maturities of one month
(four weeks), three months (13 weeks) or six months (26 weeks).
Treasury Bonds
U.S. Treasury obligations that mature in more than ten years.
Treasury Notes
U.S. Treasury obligations that mature in two to ten years.
U
Up Capture Ratio
Ratio of the fund’s overall performance to the benchmark’s overall
performance, considering only periods that are positive in the benchmark. An
Up Capture Ratio of greater than 100% indicates a fund outperformed the
relative benchmark in the benchmark’s positive quarters.
V
Value Stocks
Stocks that are trading at a discounted price relative to the company’s
perceived worth, earnings or cash flow.
Volatility
Fluctuations in a security or portfolio’s value. Volatility is viewed as a
measurement of an investment’s risk.
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Wealth Transfer Planning / Inheritance
Household Assets
Above $5 million
Above $10 million
Above $30 million
Above $50 million
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