Our Investment Philosophy

  1. We take a long-term view of investing and will not speculate on short-term fluctuations.
  2. We rely on diversification when investing our clients’ assets and attempt to manage risk through asset allocation.
  3. We will remain flexible in our investing strategies and attempt to take advantage of opportunities when they develop.
  4. We seek to control investment costs to meet our clients’ needs.
  5. We approach decisions with the understanding that our clients’ interests come first.
Managing substantial assets successfully presents many challenges. It requires time, expertise, discipline and high-quality investments with low costs. As your advisor, we dedicate our time to researching and analyzing top-ranked funds, stocks and bonds and then select the ones we believe are best for you. This includes both index and actively managed funds. In fact, with expense ratios for index funds just a fraction of the average cost of most mutual funds, your total cost, including our professional guidance, may be lower than what most mutual fund investors pay – without guidance!

At Betro | Mileszko & Company, we are committed to providing our clients with expert and professional investment advice that is free from any potential conflicts of interest. Unlike many other investment advisors and brokers that sell proprietary products or get compensated through commissions, we do not sell investment products and refuse to accept any commissions from the companies we typically invest with. As a client you can relax and enjoy peace of mind knowing our team of investment professionals is working for you. Your investments will be handled discreetly and professionally with complete independence.

Our Investment Process

Delivering Value and Discipline While Keeping Costs Low
The first step in developing a customized portfolio for you is to have an understanding of your financial situation and needs. We do this through a Confidential Client/Investor Profile or personal one-on-one meetings. The information we gather in your Confidential Investor/Client Profile and discussions tells us important things about your current financial condition, investment goals, and attitude toward risk.

Once we have a better understanding of your needs and goals, we then take an assessment of current market and economic conditions by examining a number of fundamental variables that shape our investment outlook. This assessment also helps us identify where investment risks and opportunities are most prevalent and identifies what asset classes and styles seem to offer the greatest opportunities to meet your individual goals. We make the all-important and oftentimes overlooked decisions about what portion of your portfolio should be invested in stocks, bonds, short-term instruments, and alternative investments. In fact, most academic research has shown that your portfolio’s performance is derived primarily through asset allocation, not individual fund selection – and many investors never even consider it.

After developing your asset allocation plan, we then focus on deciding which investments offer the best opportunity to implement a cost-effective strategy that’s appropriate for you. This may include stocks, bonds, index funds and exchange traded funds (“ETFs”). We then supplement the “core” component of your portfolio with a number of actively managed funds that have a history of outperforming their benchmark. The result of this process is a well-diversified low-cost portfolio for you that includes many of the “best-in-class” fund managers. The process does not end there. Once we invest your portfolio assets, we will periodically evaluate the underlying funds in your accounts with attention to how performance compares with appropriate market benchmarks. If a fund is not meeting our expectations or a manager change occurs, we may reallocate your holdings in what we believe are better funds.

Our Investment Process

  1. Identify Your Investment Goals and Risk Tolerance
  2. Evaluate Market and Economic Conditions
  3. Determine Asset Allocation Strategy
  4. Allocate to Desired Funds
  5. Monitor and Rebalance