Custom Portfolio Management | Probity Advisors, Inc.

INDIVIDUALLY MANAGED ACCOUNTS

An individually managed account is a portfolio of securities that are owned directly by the investor. Unlike mutual funds, these assets aren’t commingled with other clients and can be customized to reflect personal preferences and to minimize taxes. As a result, investors get all the benefits of professional money management with the flexibility, control, and potential tax advantages of owning individual securities.

Our Investment Philosophy

Probity Advisors approaches the investment process with four basic goals in mind:

Fully understand your needs and objectives.
Design a custom, diversified portfolio that is consistent with your needs and objectives.
Regularly review and optimize holdings based on economic conditions, our analysis, and research.
Approach everything we do with honesty and integrity.

Our Investment Methodology

Probity Advisors takes a comprehensive approach when investing client portfolios — including profiling and suitability analysis, securities research, and portfolio execution and monitoring. Consequently, the cornerstone of our custom portfolios is the frontier analytic, where we take qualitative feedback from you, then determine the appropriate return objective given your risk tolerance. Furthermore, this risk tolerance profile allows our portfolio managers to develop an asset allocation strategy that is unique and fulfills your needs. The investment process doesn’t end there. Our team regularly reviews portfolios, ensuring they stay up to date with the current environment and your changing life circumstances.

A One-of-a-Kind Investment Experience

Our methodology is based on extensive research, our clients’ specific goals and preferences, our knowledge, and our expertise. Each one of our clients’ portfolios is managed individually, with its own goals, objectives, and risk tolerance levels. As a result, every portfolio is unique — holding different securities and asset classes — each custom-designed for the individual needs of the client. This results in a well-planned, well-researched, one-of-a-kind investment experience for every client, no matter what size that portfolio may be. That’s true value. That’s the Probity Advisors difference.

Personal Portfolio. Personal Service.

Some say it. We do it. For that reason, Probity Advisors keeps the communication going. From our first meeting on, you can expect a level of access you’ve never had before, and a higher level of commitment from everyone at our firm. Our mission is simple — to empower clients through solid, individualized financial management. And we deliver on that promise every day.

what makes individually managed accounts better?

Customization

Probity Advisors customizes every portfolio around our client’s need for growth or income, social and moral concerns, and tax sensitivities.

Tax Sensitivity

Investors in mutual funds can be exposed to unanticipated tax liabilities, resulting from excessive trading or prior capital gains, which can negatively impact the portfolio’s overall performance. Individually managed accounts help minimize tax liability by managing securities with the individual investor’s tax consequences in mind.

Individual Market Entry and Exit

With individually managed accounts, security sale and purchase points can be carefully selected or targeted. This strategy provides the opportunity for enhanced returns but creates a cost basis and profit/loss that are unique to the individual – unlike pooled accounts, where investors could share tax liability, regardless of personal gain.

Diversification

Investments are allocated in a variety of investment styles and disciplines to better insulate the portfolio from market fluctuations.

Transparency

Clients are always aware of the investments they hold, and better informed of the fees charged to the account.