HUB Retirement and Wealth Management/CSi Advisory Services (HUB/CSi) commitment is to deliver quality investments to our clients; and we have a well-defined process.
To keep in line with our philosophy, our investment committee, comprised of financial professionals with an average of 16 years of industry experience, meets quarterly to conduct due diligence and ensure our strategies align with our fiduciary duty to act in our clients' best interests. We gather information and data from multiple reliable resources: the HUB Investment Research Team (IRT), investment companies and RPAG.
The committee understand that different people have varying investment objectives, financial goals, time horizons and risk tolerances.
The ongoing monitoring of investments is a regular and disciplined process intended to ensure that a previously selected investment option continues to satisfy the selection process and that an investment option continues to be a prudent option offered for investment in the Plan. If the investments no longer met the defined criteria they may be watch listed or replaced. The process of monitoring investment performance relative to specified guidelines will be consistently applied. Frequent change of investments is neither expected nor desired.
We adhere to a long-term investment philosophy, prioritizing asset class diversification and a balanced mix of active and passive management strategies. Our approach avoids short-term tactics. Instead, we use investment vehicles, such as mutual funds, exchange-traded funds (ETFs), and collective investment trusts (CITs) to enhance diversification, increase buying power.
With a strategic, long-term focus, we are not confined to specific investment products or managers. We assess a wide range of investment managers to identify consistently high-performing options across various asset classes. We also carefully consider investment expenses to maximize returns.
Our approach to risk management is prudent, aligning with the goal of helping clients build and preserve wealth for their lifetime and legacy. We work closely with clients to understand their risk tolerance and financial goals, tailoring investment models to fit their needs while aiming to minimizing exposure to undue risk.
Global Retirement Partners, CSi Advisory Services, HUB Retirement and Wealth Management and HUB International are not affiliated with RPAG.
Investing in mutual funds involves risk, including possible loss of principal. Fund value will fluctuate with market conditions and it may not achieve its investment objective.
ETFs trade like stocks, are subject to investment risk, fluctuate in market value, and may trade at prices above or below the ETF's net asset value (NAV). Upon redemption, the value of fund shares may be worth more or less than their original cost. ETFs carry additional risks such as not being diversified, possible trading halts, and index tracking errors.
Investing in collective investment trusts (CITs) involves risk, including possible loss of principal. CIT values fluctuate with market conditions and may not achieve their investment objectives. They are not publicly traded, may have limited liquidity, and carry risks related to their specific strategies and assets.
There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. Investing involves risk including loss of principal. No strategy assures success or protects against loss.
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