Top-Down Tactical TDT™

  -Keith Springer’s U.S. Trademarked Investment Management Style

Keith Springer has developed a proprietary process for building tax-efficient and retirement portfolios for high net worth individuals. Our “Invest for need, not for greed™” approach combined with our hands-on Top-Down Tactical™ (TDT) investment management strategy can help you manage risk and deliver returns.

Top-Down Tactical

Our hybrid asset management style, Top-Down Tactical, combines the practical applications of Top-Down analysis with the actively managed approach of Tactical Allocation. Top-Down analysis begins by scrutinizing the global economic picture, deciding if it is safe to invest, and if so, in what sectors to invest. The opposing style is bottom-up investing, which starts with specific businesses regardless of the industry or the economic environment.

Tactical Asset Allocation takes a hands-on actively managed approach to investing, adjusting the portfolio to market conditions, weighted towards sectors that are in favor and between asset classes of bonds and stocks, even going to cash when necessary to preserve principal. The contrasting approach is the old fashioned “buy and hold” strategy which invests regardless of current market conditions or which sector is in or out of favor.

The benefit of TDT is clearly evident by looking at returns from 01/01/2000 to 01/01/2013. If you invested in an S&P 500 Index and held for “the long term,” your total return during that period would have been 3.85%, or an annualized rate of --0.29%. In inflation-adjusted terms, the return drops to -2.07%. Investors must be nimble and willing to let go of old fashioned asset allocation models to be successful.

TDT is a powerful investment management style built for today’s dangerous and volatile markets to help provide you peace of mind. Please see important disclosures regarding our investment advisory services as part of your overall consideration.

Socially Responsible Investing

At Springer Financial Advisors, we believe personal values can play an important role in investment decisions without sacrificing returns. There are many ways personal capital can address real-world needs and make a difference. With socially responsible investment, you can put your money to work building a better tomorrow, while earning competitive returns today.