Investment Management

At Connecticut Investment Advisors, we believe that effective investment management goes beyond crowd-investing and mutual funds. Our approach is tailored to individuals, offering you control, transparency, and strategies designed to pursue your unique goals. By focusing on separately managed accounts (SMAs), we provide portfolios that reflect your personal financial objectives—each stock you own is selected with care and purpose.

Unlike mutual funds, SMAs are customized portfolios of individual stock positions tailored to your goals. Instead of pooling your resources with a group of investors, SMAs allow you to:

• See what you own: Every position is fully transparent, giving you complete insight into your investments.
• Avoid group investing pitfalls: Mutual funds can obscure ownership details and lack customization.
• Personalize your strategy: SMAs are designed with your financial legacy and goals in mind.

At Connecticut Investment Advisors, we steer clients away from cookie-cutter solutions and toward investment portfolios crafted for their specific needs.

When it comes to annuities, our philosophy is clear: they are not investments but are assets sold under certain conditions. While annuities can sometimes be appropriate for specific situations, such as providing guaranteed income for retirees without other reliable income sources, they are rarely the best choice for most investors.

Our firm avoids recommending annuities as a default solution because we believe in empowering clients with flexible, growth-oriented investment options. Annuities may have a place for a select few, but we want to be sure your financial circumstances warrant their inclusion in your plan.

Fixed and Variable annuities are suitable for long-term investing, such as retirement investing.  Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty tax and surrender charges may apply.  Variable annuities are subject to market risk and may lose value.

What are the benefits of an SMA* compared to a mutual fund**?

SMAs offer greater control and transparency. You own individual stock positions rather than a pooled collection of assets, allowing for more personalization and tax efficiency. 

Why don’t you recommend annuities?

Annuities can be restrictive and are often sold rather than tailored to a client’s needs. We only suggest annuities when they are truly appropriate for your situation, so they align with your broader financial strategy.

How do you guarantee financial transparency?

We provide detailed reports on all portfolio activity and holdings, keeping you informed and empowered to make decisions about your wealth.

* Just like a mutual fund or ETF, an SMA can underperform or lose value. Unlike a mutual fund or an ETF, in which you are removed from the investment process, a custom SMA may require more attention because of increased communication with your financial professional.

** Investing in mutual funds involves risk, including possible loss of principal. Fund value will fluctuate with market conditions and it may not achieve its investment objective.