Steve Reynolds

NCM primarily employs fundamental analysis methods in developing investment strategies for their clients. The firm selects high-quality, dividend-paying growth and value companies that regularly increase their dividend payouts at a rate greater than the general level of inflation. These core holdings are augmented by securities in domestic and international asset classes through ETF and mutual fund holdings. Their investment approach is primarily long-term focused, but NCM may buy, sell, or re-allocate positions that have been held for less than one year to meet the objectives of the client or due to market conditions.

TDAM USA is a global investment manager that offers an array of fundamental and quantitative, active and passively managed investment strategies and products. They offer custom solutions, including asset liability matching and portfolio transition management, as well as other specialized segregated investment management services, including cash management and currency overlay. The firm uses various methods of security analysis in formulating investment advice. Their fixed income investment philosophy is based upon strong and independent credit research. Proprietary research is vital to the firm’s investment process and forms the basis for all of their investment decisions.

TD Banknorth Wealth Management Group's (TDB) investment process combines diligence and focus with continuous client communication. Their multi-disciplinary team approach constructs each portfolio individually. The firm focuses on increasing after-tax returns and is an advocate of long-term investing. TDB's large/mid-cap core strategy includes investing in stocks of companies utilizing a blended style of investing by using both a growth-based or value-based strategy. The firm selects economic sectors and industries with a potential for above average growth for a five-year or more period. They seek to identify companies that offer secular growth driven by factors such as technological changes and demographics and avoid industries subject to heavy governmental regulation or dependence on commodity pricing for growth. TDB employs fundamental research to identify companies with histories of sustained profitability and leadership within their respective industries. Their primary focus is on the core earnings power of the company and their ability to provide above-average growth in revenues, earnings and cash flows for a multi-year period. Typically, this investment strategy focuses on companies with moderate to high p/e ratios and dividend yields that are generally lower than the overall market. Though not limited by sector, TDB tends to invest in the stocks of US large-cap companies in the finance, energy minerals, producer manufacturing, consumer non-durables and health technology sectors. The firm maintains a low turnover rate.

Bar Harbor designs an investment portfolio that is tailor-made to fit their client’s lifestyle, income, and expectations, using a combination of different assets. The majority of the firm’s clients are well served by holding a diversified combination of stocks, bonds, exchange-traded funds, and mutual funds to complement their personal holdings of real estate, bank deposits, and other assets. When evaluating investments, Bar Harbor uses a combination of quantitative, fundamental, and technical tools to determine whether an asset is fairly valued or not.