Harmonic Investment Advisors is a boutique, research-driven investment management firm specializing in customized asset allocations of IRA’s, retirement plan rollovers, college funds, and most non-qualified accounts for individuals and families. Led by two Chartered Financial Analysts with over 40 years of combined experience, Harmonic’s insistence on “Integrity, Independence and Insight” helps clients profit from partnering with a company that works as hard to protect and grow client assets, as our clients worked to earn those assets.
Unique benefits:
Greater Independence- As a Registered Investment Advisor (RIA) we’re not part of a brokerage firm, bank or insurance company with their own in-house products and services to sell. We create our own intellectual capital and remove the middleman – stockbroker, banker, insurance agent or mutual fund sales agent – from the process, so our clients receive a core strategy tailored specifically for them.
Our Interests Aligned with Yours- Our compensation is based on a percentage of assets under management, so our success is directly linked with that of our clients.
Accountability and Focus- As an RIA, we are registered with the SEC and regulated by the Investment Advisers Act of 1940 and thus have a fiduciary duty to act in the best interest of our clients. Also, the principals of the firm each hold the CFA designation, which emphasizes ethics and client-centered management.
A proven approach to investment management
At Harmonic, we understand that our clients seek greater financial security though rigorous unbiased investment selection. Our team uniquely combines proprietary bottom up security-specific analysis with top-down macroeconomic research to create the intellectual capital that drives every portfolio we construct. Through this research, strategy, and filtering process – techniques usually reserved for large institutions like pension funds and foundations— our clients benefit from the ideas in which we have the highest conviction.
Through the creation of proprietary strategies comprised of individual securities and the use of exchange traded funds (ETFs) that provide exposure to stocks, bonds, commodities, and real estate investment trusts (REITs), we have created multiple asset allocation models to achieve optimal diversification. By teaming with Harmonic, our clients are assured that the unique aspects of their situation are considered; and their resulting portfolio is appropriately constructed and monitored.
Economic & Market Research
At Harmonic Investment Advisors, we don’t trade on hot-tips or rumors. We don’t try to time the market. We don’t get our information from talk show pundits or a “home office” in a far-off city telling us which in-house mutual fund to buy or sell. As an investment research firm, we create our own intellectual capital by doing original research. We devote our time to thinking about economic changes and the impact those shifts have on our clients’ portfolios. We scour the marketplace to uncover the best investment opportunities; drilling down deep on each position.
Communication
It all comes down to communication. Since we do the research, we choose the investments, and we design the portfolio mix, we can speak directly with our clients about why they own what they own and address questions about every facet of their portfolio. Further, our focus on creating customized portfolios requires that we communicate effectively with clients; and our emphasis on integrity demands transparency in our reporting and business practices.
A Trusted Relationship
Since each situation is unique, we start by looking at your entire financial picture. We have the integrity to act in your best interest, the independence to create the right portfolio structure to achieve your goals, and the insight to know what works.
Estate Planning
HIA encourages coordination with your attorney and CPA to transfer assets to family and the charities of your choice. We openly refer our clients to estate planning attorneys and CPA’s as needed.
Charitable Giving
Through our extensive work with non-profit organizations, Harmonic Investment Advisors is adept at working with our clients’ chosen charity, endowment, or foundation to formulate an asset mix to achieve optimal longevity and tax efficiency.
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Harmonic’s Portfolio Allocations
At Harmonic, we manage portfolios for our clients that use both active and passive securities.
Asset Allocation Portfolios
Our asset allocation portfolios use passive exchange traded funds that provide a cost effective way to participate in each market segment and has been built to suit each individual investor’s risk tolerance. We offer six portfolio allocations that are continually managed and periodically rebalanced to take advantage of our proprietary research. The goal of the asset allocation portfolios is to outperform the benchmark relevant to each client’s risk/return profile with a minimum of cost and maximum transparency.
Strategies include:
Aggressive Growth
Growth
Balanced
Conservative Balanced
Conservative
Income Preservation
Stock and Bond Portfolios
Harmonic also manages six proprietary actively traded stock and bond strategies. These are reserved for those clients wishing to have more active money management for a portion of their overall portfolio with the potential to out-perform relative benchmarks within these strategies.
US All Cap Core stock – invests in US companies found in the Russell 3000 stock index
US Large Cap Core stock- invests in large US companies found in the Russell 1000 stock index
US Smid Cap Core stock - invests in small and mid-sized US companies found in the Russell 2500 stock index
US Socially Responsible stock – invests in socially responsible firms found in the Domini 400 stock index
US Total Return stock – invests in large US companies found in the Russell 100o stock index that pay a relatively high dividend
High Quality Income Strategy - invests in a combination of stocks and bonds intended to minimize risk while providing a high and stable income stream
If you desire a more personal approach to investment management, consider contacting Harmonic Investment Advisors at (208) 947-3345 or via email at Info@HarmonicAdvisors.com.
1020 West Main Street. Suite 440B. Boise, ID 83702 (208) 947-3345
IMPORTANT DOCUMENTS
Harmonic’s Investment Advisor Agreement
Plain Language ADV – section 1
Plain Language ADV – section 2
Plain Language ADV – section 3
