First things first

It’s about you and your goals

We want to get to know you and make a customized plan to help you achieve your financial goals.

In executing the wealth management process, we work closely with you to develop a personalized investment plan that’s tailored to your needs.

We’ll meet with you on a regular basis to review your investments, discuss changes that may occur, and make any necessary adjustments to your plan.

I feel safe and secure working with the team of professionals at Herring Bank. They’re committed to working with me in implementing a personalized plan for my financial future.

Heather Y.

Our methodology and investment philosophy

We utilize a highly disciplined, fundamentally based and risk aware approach in managing portfolios for our clients.

The cost of trying to time the market

Trying to time the market or reacting to the latest trends or news in making changes to your portfolio, while tempting, involves getting two nearly impossible decisions correct: when to sell and when to buy.

An important benefit of working with Herring Bank is the opportunity to establish a long-term investment strategy that remains consistent with your goals and doesn’t involve trying to time the market.

The cost of market timing

Risk of missing the best days in the market 1997 – 2017

Risk vs. return asset allocation model

As an investor, you can’t completely eliminate risk, but you can manage it through the diversification of the investments you hold. Investment returns tend to be higher as the level of risk goes up.

At Herring Bank, your portfolio of investments will be constructed in a manner that is consistent with your financial objectives and your tolerance for risk.

Risk vs. return

The asset allocation model

What this means when we work together

The investment process

1: Validate

Is the portfolio meeting your objectives?

– validate objectives
– ensure conformance with investment policy statement and regulatory requirements
– enhance rebalance

3: Monitor

Is the portfolio performance consistent with your objectives?

– absolute return
– relative performance
– cash flow
– benchmarking
Are we a good fit?

We work best with:

Individual investment portfolios
The experience and resources to tailor your individual investment portfolio to your objectives, risk tolerance, and time horizon.

IRA’s – traditional, roth, SEP & Simple
Our wealth professionals can handle all IRA phases including contribution, investment growth, and the annual distribution of your retirement funds.

Companies & businesses
Well-equipped to manage investments for companies and businesses. We’ll help you put together an investment objective that’s tailored to your unique corporate goals.

Trusts
Experienced corporate trustee to manage your trust or estate plan. Our experienced trust officers have the knowledge and background to administer any type of trust.

Nonprofits, foundations, endowments
Years of experience and expertise to manage diversified investment portfolios for non-profits, foundations and endowments that are strategically aligned with a specific investment policy.

Individual or couple with cash to invest or an existing investment portfolio. Looking for financial advice, planning, and management.

Looking for a professional to evaluate their financial situation and provide a disciplined investment approach.

Individual or couple ready to roll his/her retirement plan into an IRA.

Looking for financial advice, planning, and management. Independent and capable of making decisions but prefer to place investments with a professional.

Non-profit organization (School, Church, Foundation, Endowment, Institution) with long-term investment plans.

Desires sophisticated, professional investment services. Can benefit from fiduciary investment discipline to attract donors.

Individual or couple seeking traditional trust and investment management services.

What is your risk tolerance?

Do you want to be conservative, aggressive, or somewhere inbetween with your investments?

Take the quiz to see how you might consider investing based on your risk tolerance level.

Deepen your investment skills

Financial advice for the beginner to expert

Resources for brand new investors

See more resources

Resources for experienced investors

See more resources
Contact us directly, or you can…

Call us directly

1-888-248-1991

Schedule a meeting

Request a callback

Investment and Insurance Products are:

  • NOT INSURED BY THE FDIC
  • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
  • NOT A DEPOSIT OF OTHER OBLIGATION OF, OR GUARANTEED BY, HERRING BANK, OR ANY BANK AFFILIATE
  • SUBJECT TO INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL AMOUNT INVESTED