Investment Planning
Financial Planning is a critical component
We believe that financial planning is a critical component of investment decision-making and that your investments should be professionally managed by a fiduciary based on your personal financial needs and goals. As a fiduciary, S.E.E.D. offers a professional investment management program to financial planning clients for an additional charge.
Our Customized Investment Management Mission
At S.E.E.D., we understand that each client has their own unique set of goals and objectives. Whether it is to build your nest egg for retirement, fund the education of your children, generate additional income or increase tax-efficiency, we will partner with you and guide you in the right direction.
Our strategies are driven by the knowledge that diversification is critical in managing the balance between risk and return. We believe that purchasing high-quality investments at reasonable prices is the key to long-term success. And it is our goal, as a fiduciary, to match our clients’ goals and objectives with customized investment strategies that best meet those needs.
Our customized portfolios are constructed using individual stocks and fixed-income, mutual funds & ETFs.
Customized Investment Options
'Core Ideal' Equity Management
Customized Individual Fixed-Income Management
Your Investments…Your Values
The primary purpose of investing is to make money. However, not everyone wants to do so at the cost of the causes and values they support. Instead, they want to integrate the two, with the goal of building their wealth in a manner consistent with their beliefs.
Unlike standard ESG and mutual fund/ETF based investing, where you have no say in the underlying holdings, ‘Your Values’ is built specifically to your needs and goals, empowering you only to hold companies you believe in.
Equity (Stock) Program
What it is:
Who it's for:
At S.E.E.D. Planning Group we approach equity investing by focusing on the characteristics we believe make a company attractive. Through research we identify companies that:
Features of this program:
- Maintain a sustainable competitive advantage over their peers.
- Demonstrate growing free cash flows.
- Exhibit consistent dividend growth.
- Deliver a strong balance sheet.
- Trade at prices below their fair value.
- Portfolios are customized for each client focusing on twenty-two points of diversification.
Investment Fee Schedule
| First $1,000,000 | 1% |
| Next $500,000 | 0.75% |
| Next $500,000 | 0.50% |
| Amount over $2,000,000 | 0.35% |
Individual Fixed-Income (Bond) Program
What it is:
Fixed-Income portfolios can be constructed using either taxable or tax-exempt securities.
Who it's for:
Features of this program:
- Investing in individual bonds will provide you with greater control and tax efficiency than investing in bond mutual funds and ETFs. Shareholders of mutual funds have no control over the purchase and sale activity within the fund. As a result, the shareholder may be responsible for paying unintended taxes on capital gains distributions paid out by the fund.
- Individual bonds give you, the owner, control over when/if the securities are sold and capital gains taxes incurred.
- Investing in individual bonds also provides greater control over the maturity and duration structure of the portfolio, allowing better control of interest rate risk.
- You may also benefit from lower expenses and a greater level of income when owning individual bonds instead of mutual funds or ETFs.
Bond Program Cost
The fees listed below are additional add-on fees to our regular investment fee schedule.
*Dollars reflect quarterly charges*
| $0 - $1,000,000 | $375.00 |
| $1,000,000.01 - $1,500,000 | $450.00 |
| $1,500,000.01 - $2,000,000 | $525.00 |
| $2,000,000.01 - $2,500,000 | $600.00 |
| $2,500,000.01 - $3,000,000 | $675.00 |
| $3,000,000.01 + | $750.00 |
Your Values
What it is:
At S.E.E.D., we recognize that every client is unique, and that each has differing views about what is important to them.
‘Your Values’ takes our time-tested strategy of purchasing high-quality companies at attractive prices and adds a layer of “filtering” that enables us to align the portfolio holdings with a client’s set of personal values.
Why would I use this:
This program is designed specifically for clients who wish to combine the strengths of S.E.E.D.’s core investment philosophy with the confidence that the companies they invest in conduct business in a manner consistent with their own values and beliefs.
Can this process also be used for my bond portfolio?
Yes. Since the analysis and screening are done at the individual company level, the process is perfectly suited for determining which corporate bonds are appropriate. This will ensure consistency throughout your portfolio.
Features of this program:
- Utilizes S.E.E.D. Planning Group’s “Core-Ideal” investment philosophy.
- Incorporates additional research to identify and qualify a company’s adherence to a broad array of values-based criteria.
- Hands-on approach by our Investment Team that will guide you through the process of identifying and prioritizing what matters most to you, and then implementing those ideas throughout your portfolio.
- Specifically designed to each client’s needs and goals, empowering you to only own companies you believe in.
Your Values Program Cost
The fees listed below are additional add-on fees to our regular investment fee schedule.
Also, our Your Values Program includes the Bond Program for no additional charge.
*Dollars reflect quarterly charges*
| $0 - $1,000,000 | $975.00 |
| $1,000,000.01 - $1,500,000 | $1,200.00 |
| $1,500,000.01 - $2,000,000 | $1,425.00 |
| $2,000,000.01 - $2,500,000 | $1,650.00 |
| $2,500,000.01 - $3,000,000 | $1,875.00 |
| $3,000,000.01 + | $2,000.00 |