A Relationship Built on Trust

Whatever your needs might be when you hire a financial advisor, there is one thing you know: you want your advisor to be someone you can trust. At the very least, this means being treated honestly and fairly. At Capital Growth, Inc., it means much more than that. We believe that in order to earn your trust, we must:

Be sincere in our commitment to helping you reach your financial goals.
Give you complete information on the costs and risks involved in every investment.
Respect your privacy, keeping your financial information safe and confidential.
Deliver on our promises - and not promise what we cannot deliver.

A Higher Standard

Unlike most other firms, we do not turn your assets over to outside managers to invest. We manage your portfolio ourselves. When you have a question or concern, you can make one phone call and speak to your portfolio manager in person.

We strive to deliver professional quality with a truly personal touch. This means not just knowing a few facts about you, but knowing you as an individual as well as an investor. When we structure your portfolio, we choose investments that are of high quality, of course. But more than that, we choose what we believe is best for you.

We understand that it takes time to build a relationship based on trust. That’s why our approach is strictly long-term. Most of our clients have been with us for many years. One day, we hope to be able to say that about you as well.

How We Select Your Investments

It all starts with what you want.

At Capital Growth, we begin by learning a lot about you: what you want to achieve and how much risk you’re willing to take. We then look at all the available alternatives. Unlike many large firms, we are not limited to choosing from “approved” lists. We work with you to construct a portfolio designed specifically to fit your needs. Our goal is to invest the portfolio with the potential to outperform the market averages over the long term.

A Multi-Faceted Approach

We use systems and tools to seek out investments that offer the best potential for exceeding your goals while remaining within your risk profile. Our process includes the analysis of trends in economic data as reported on a global basis. We then compare the data with real time experience, seeking out unbiased observations, to identify macro and micro trends in order to formulate a view of the future. We focus on areas of strength and analyze the prospects for those sectors or industries using multiple tools including quantitative (the numbers), fundamental (for example, prospects for growth in revenues and margins) and technical analysis (chart/trend analysis). We also seek out opinions that conflict with our own to be sure we have viewed our thesis through every critical lens.
Only after considering all the risk/return characteristics, will we choose the investments that are most appropriate for you.

Independent and Unbiased

As an independent firm, we are free to make investment decisions based on your needs and goals. We are truly client-centered. Our focus is on providing you with a customized, professionally-managed portfolio that addresses your investment objectives. We will work diligently to guide you to investment success.

Capital Growth, Inc. Fee-Based Advisory Program

Advantages
Fee-based advice reduces the potential for conflicts of interest and creates a common goal for both the client and advisor. Having a common goal creates a “same side of the table” relationship. Asset-based fees serve as an incentive for our advisors to preserve investor assets and make them grow. Our fee-based platform puts us on retainer for additional financial advice. We hold ourselves to a fiduciary standard to always work in your best interest.

Structure
Your various investments are consolidated into a single account, when possible. The fee is billed and deducted from the account quarterly, in advance. Adjustments for withdrawals and deposits are made at the next billing. Accounts are managed on a discretionary basis, based on your financial goals and risk tolerance. Allowable investments are governed by your personal Investment Policy Statements (IPS) and the Advisory Agreement. The primary investment vehicles are Mutual Funds, ETFs and some individual Stocks and Bonds.
There are no commissions or sales charges assessed on trades in your account. A nominal processing fee is assessed on most transactions.
While it is preferred that our clients allow at least 3 to 5 years to fully evaluate the benefits of our fee-based program, there is no commitment. Your account is fully liquid and the program can be cancelled at any time with written notice.

Reporting
You will receive a confirmation by your choice of mail or electronic communication for all trades that occur in your account. A monthly statement indicating your current balance and all activity for the time period will be provided to you. In addition, a quarterly performance evaluation is produced which illustrates the investment return for your account over various time periods – quarterly, by calendar year and “since inception”.

Don’t Sell Your Investment Real Estate

Exchange It and You May Reap Many Rewards

by Patrick Brennan, MBA

Pat_B_Web_format If you own investment real estate and it’s worth a lot more than you paid for it, you might be able to reap many unexpected and valuable rewards using the “1031 exchange.” More about that later. But first let’s see if you’re the kind of person who could benefit from an exchange. Investment real estate includes any property that you own and can profit from, exclusive of your primary residence. This includes houses, apartments, office buildings, industrial parks, farms, even raw land. The key element is your purpose for owning it: investment. If you have such property, held for that purpose, keep reading.

Let’s say you’ve owned the property a while, and its value has increased greatly. You’re tempted to sell, but you don’t want to pay the tax on your gains. Fortunately, there’s an Internal Revenue Code section that’s been in place for over 50 years, allowing you to trade, or exchange your property for another piece of investment real estate and not pay the capital gains tax until later—how much later is up to you.