Our Services

CLIENT ADVOCACY A Long Term Conflict Free Investment Relationship: We will serve as your guide and coach in an ongoing dialogue and develop a personalized asset allocation specific to your goals and attitude toward risk. Because our compensation is entirely based on fees derived from the value of your portfolio, our interests are aligned with yours – maximizing your wealth's potential. Monitoring and Measurement: We keep watch over your portfolio, track its progress, keep you informed of important developments, and determine whether modification of your portfolio is necessary. You’ll receive a formal Investment Policy Statement (ISP) as well as an in-depth Quarterly Account Analysis that will provide a basis for ongoing measurement and discussion. PERSONALIZED PORTFOLIO MANAGEMENT Professional Management: Your managed account offers you access to the resources and experience of proven professionals with only the most prestigious of academic credential and industry experience. This talent pool and its ability to precisely target your individual objectives provide laser-like delivery of purposeful wealth management. Direct Ownership of Securities: The securities purchased for your account belong to you and not shared amongst a pool of investors. This important advantage among other benefits can help you manage tax consequences. For example, you are not subject to gains earned by other shareholders and you can coordinate year-end tax management within your portfolio. The too-common paradox of incurring a tax obligation on a fund that has lost you money can be avoided. Tax Advantaged Investing (TAI): We provide specific tax-management strategies that analyze the tax consequences of individual investment decisions and employ techniques such as tax-loss harvesting and offsetting gains. Other Tax Advantaged Investing (TAI) strategies will be incorporated throughout the investment management process. Constrained Security Exposure: More and more studies are revealing how investor performance is sub optimal because most of their investments end up all in the same asset class. You can direct your investments to exclude/include those asset classes in which you are over/under weighted. The Decision Function: Optimizing the investment decision is paramount to our success. We achieved this for you through the disciplined application of cutting edge tools and thinking onto your wealth. ‘Behavioral Finance’ - the ‘hot topic’ in the portfolio management industry today, is fundamental to our process. All stages of decision-making at PCG utilize these powerful tools and strategies. From using gaming theory for risk tolerance determination to the proper optimization of a portfolio, the art and science of portfolio management is refined and implemented for you. A DISCIPLINED PROCESS A Long Term Conflict Free Investment Relationship: The process begins with an in-depth fact-finding discussion using a detailed questionnaire that is the product of research and revision. Our dialogue will go beyond the simplistic questions and easy answers to obtain a realistic view of your attitude toward risk as well as your investment objectives and any unique preferences or circumstances that you may have towards obtaining those goals. Together, we will develop a statement of your investment objectives, appropriate investment guidelines, and a strategy. The Investment Policy Statement(IPS): The IPS will be the guide to this long-term strategy. You’ll refer to this statement to mark your progress ensuring your investments are performing as directed, and to gauge the impact of market developments. Your IPS will serve as a constant reminder of the clear objectives and preferences that, you, the individual investor, hold. It will serve as a guidepost to establish discipline and enforce responsibility. Optimization: Where you position your assets is critical to your success. Studies show that the asset allocation decision is the major factor in the performance of your portfolio as well as its risk. Most investment programs offer some type of asset allocation. Often, an investor’s responses to a series of questions will direct them to allocate a certain percentage of their money to certain broad categories of investments. While this approach may offer value to the average investor, it is probably far too simplistic and unsophisticated for those with substantial assets. In fact, studies show that unless optimization techniques are applied to the portfolio on a continual basis sub-optimal performance is an inevitable consequence. Quarterly Account Review: A comprehensive Quarterly Account Review helps you understand performance data in relation to your specific goals. We will fine-tune your investment strategy as your goals evolve and the markets change. Oversight of your portfolio occurs much more frequently than this Quarterly Account Review. In fact, your portfolio is monitored constantly for research, news, information or global developments. The Benefits of a Personalized Portfolio Management Relationship at Papps Capital Group · A custom crafted portfolio designed for your unique situation and preferences. · A long-term relationship with top-tier experienced financial professionals. · Access to cutting edge technology and research · Investment Policy Statement (IPS) · Comprehensive quarterly performance reports and year-end summaries · Online access to account information and other important resources. · A single, all-inclusive annual fee for account services** The Four “I’s” – The Cornerstones of Papps Capital Group Independence A distinct advantage of a relationship with PCG is the alignment of our interests with your own. Because we are compensated only on the basis of a fee, we have a vested interest in helping to grow your wealth to as maximum an amount as possible within your risk constraints. A fee arrangement also promotes the most cost conscious design of your portfolio because decreasing portfolio costs enhance our fees. This is a very powerful motivation in that the cost savings made in your portfolio may eclipse the fee charged to attain this savings. This speaks nothing of any potential enhanced return from applying MPT. Recent studies* empirically prove that advice given to investors by major brokerage firms is biased. Their banking relationships with the very same companies whom they cover affect how those companies are recommended to you. Further, many of the products solicited to you are held in the inventory of those recommending them to you. None of these ethical conflicts exist in any form or fashion at Papps Capital Group. Intelligence Bruce W. Papps, the firm’s principle, maintains current competency through continuous conscientious study and coursework at Harvard University, The University of Chicago, The New York Society of Securities Analysts (NYSSA) and other esteemed institutions. As a graduate of The Wharton School and holding the industry’s most prestigious, Chartered Financial Analyst (CFA) designation, Mr. Papps provides nothing less than excellence in academic and industry achievement. PCG’s Advisory Board reads like a Who’s Who in the industry. These members represent the ‘cream of the crop’. Their academic credentials range from Harvard to Wharton and they hold positions scanning chairmanships of college business departments to executive level officerships. This advisory board represents the distillation of decades of experience and academic achievement and provides an invaluable decision making resource to ensure that the most optimal decision making process occurs when it comes to the management of your wealth. Innovation Papps Capital Group has an unusual business strategy: sophistication over size. PCG measures success by the dollar of excess return generated for clients rather than dollars of assets under management. We focus on returns, not marketing, and we specialize in helping to generate superior returns through the disciplined application of portfolio management principles as well as through taking advantage of market inefficiencies when and where they exist. To maintain returns, PCG limits asset growth. Three quarters of the assets we manage are in strategies that are closed and cannot take more money. These strategies include principles of MPT - some of which have been bestowed Nobel Prizes. Integrity As a CFA charterholder, Bruce W. Papps adheres to among the highest of ethical conduct in the industry. “The CFA charter means integrity and adherence to professional standards. It is also a designation that demonstrates individual commitment to excellence in the investment management field” - Gary P. Brinson, CFA Chairman Union Bank of Switzerland /Asset Management “Over a long period of time, Bruce Papps has displayed an unbridled commitment to the highest professional standards, possesses keen analytical skills, and has superior judgment which should prompt serious investors to entrust him with their most valuable assets.” - Dr. John D. Christesen Joseph & Sophia Abeles Distinguished Chair of Business Department Chairperson State University of New York/WCC “Our greatest pursuit lay in ensuring that your personal financial situation is ‘crafted’ with the most optimally designed portfolio possible – One that integrates sound fundamental, yet innovative investing with sensitive estate planning, financial planning, and importantly, your individual tax posture. At PCG, we strive to maintain competency of only the highest caliber, utilize the most sophisticated analysis, planning and research tools available, and integrate, into the decision process, an advisory board steeped in the richest of academic credential and experience. Delivering integrity and clarity to decisions involving your wealth is our mission." - Bruce W. Papps, CFA Chairman / CEO Papps Capital Group, Inc. * - Columbia University Study ** - Mutual Funds are subject to annual fund operating expenses. Review the prospectus of the fund. The prospectus contains more complete information, including charges and expenses. Please read the prospectus carefully before you invest or send money. Professional money management might not be suitable for all investors. Since no one investment program is suitable for all types of investors, this information is provided for informational purposes only. We need to review your investment objectives, risk tolerance and liquidity needs before we can recommend suitable programs for you.