McNamara Capital Management

LPL Registered Principal

(203) 987-3913
tm@mcnamaracapitalmanagement.com

Investment Consulting + Advanced Planning + Risk Management = Wealth Management

McNamara Capital Management works as your consultant to create an investment plan that is designed to address the unique individual needs and risk tolerance of each client.

MCM offers access to the following life planning and wealth management components:

Investment Consulting

• Globally diversified, passive, asset class portfolios
• Individual Bond Portfolios (Municipal, Corporate, Government)
• Retirement Planning
• College Planning (UTMA, 529 Plans)
• 401k Plans (Low cost, open architecture including ETFs)
• Tax-advantaged investing
  
  

Advanced Planning

• Wealth Enhancement Strategies
• Estate Planning & Transferring Wealth Strategies
• Planned Charitable Giving
  
  

Risk Management

• Life Insurance & Risk Mitigation Planning
  
  

Plans are designed based on the individual’s unique risk profile. Risk is measured both as volatility as well as the likelihood of the plan’s long- term success. All potential outcomes are considered and measured. Risk is analyzed on three levels; ability to handle (coping with volatile markets), willingness (desire for higher returns) and need (meeting your goals).

Using a lower risk rate (e.g. 2/10 year Treasury) as a guide we determine the individual’s need for risk. With short, intermediate and long-term goals in mind, a portfolio is constructed. Risk is taken only to pursue higher potential returns. All other “avoidable risks” are managed. These include; holding too few securities, portfolio drift, country or sector specific bets, reacting to investment noise, speculating on “information”.

MCM strives to monitor, manage or control things that will have a positive impact on an investor’s portfolio. These include; costs, taxes (security placement), risks (uncompensated), behavioral mistakes (emotions). Proper diversification, pure asset class exposure, strict rebalancing bands and “staying the course” are all aspects of a successful long-term investment plan.

Fixed income strategies use a “variable maturity” approach to high grade corporate, municipal and government debt. Portfolios are designed around the points of the curve with the highest expected return per unit of volatility. We believe the fixed income portion of the portfolio is designed for stability (preservation of capital) and a steady stream of income. Our exposure is primarily within the highest rated issues (AA/AAA).

Equity portfolios are comprised of passive asset class funds covering large and small, value and growth, US, International and Emerging Market equities. Our strategies combine the broad diversification, low-cost, and reliable asset class exposure of passive strategies, adding value through engineering and trading.

Plans are clearly designed and can be formalized with an Investment Policy Statement. Ongoing progress is tracked and regularly reported using appropriate benchmarks for comparison.

Our “family office” offers professional guidance in wealth management, risk management (property & casualty insurance, life insurance) and estate planning (trusts, wills, charitable giving).

Our advisors are held to a fiduciary standard for all our Advisory Accounts. All investment decisions are made with the client’s best interest in mind.

International investing involves special risks such as currency fluctuation and political instability and may not be suitable for all investors. These risks are often heightened for investments in emerging markets. Rebalancing a portfolio may cause investors to incur tax liabilities and/or transaction costs and does not assure a profit or protect against a loss.

Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values and yields will decline as interest rates rise and bonds are subject to availability and change in price.

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification and asset allocation do not protect against market risk.

There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.

Existing client referrals are available upon request.

Fees are based on the following AUM schedule. Fees may be adjusted based on the unique needs/complexity of the individual plan. Additional considerations include; family accounts, referrals, insurance and estate planning needs.

Transaction charges:

Equities - $15

Fixed Income - $50

Mutual Funds - $26.50

Strategic Asset Management (SAM) is offered through LPL Financial, A Registered Investment Advisor, Member FINRA/SIPC.

No-load and load-waived mutual funds available through SAM may incur 12b-1 fees.

Custodial services are provided by LPL Financial. LPL Financial is the largest independent broker/dealer. (As reported by Financial Planning magazine June 1996-2016, based on total revenue.)