Our strategy.


Our strategies employ a diverse range of investments that incorporate a wide array of asset, sectors, and industry groups.

Your return.


Decades of proven success, rest assured you’re in good hands.

We areMACM.


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Financial planning.

Utilizing our MACM WealthLock Process

With increasingly complex financial lives, many clients need assistance charting the optimal course to reach their financial goals. From stock options to estate planning and taxation, clients can feel overwhelmed. A decision in one area may lead to unintended outcome in another. As your trusted financial advisor, we can lead you to the peace of mind that comes with having your financial plans in order. Our professional team works with our clients through our WealthLock Process to help achieve your financial goals:

Gather Information & Identify Objectives

Construct Strategic Recommendations & Plan

Implement Plan & Provide Frequent Communication

Adapt to Continuously Evolving Financial Situation

With a big-picture perspective and proven process, our professionals will chart a course that will lead you to your goals, connect your resources to your future obligations, and answer essential questions like “How much income can I afford to take during retirement?” Our detail-oriented, customized planning can also prevent unintended outcomes. As an example, if a client plans to exercise a large amount of stock options this year, our tax strategy may lead us to strategically defer other capital gains to the following tax year. We can help you accomplish your most important goals by additionally coordinating the services of your other financial professionals like accountants, attorneys, and business consultants. With everyone communicating as needed, we can advise you with greater insight.

Retirement Planning

Asset Allocation

Trust & Estate Planning

Cash Flow Strategy

Income Distribution

Expense Management

Stock Options

Survivorship & Disability

Tax Management

Will & Trust Administration

Life Insurance

Long-Term Care Insurance

Investment management.

At MACM, our investment philosophy emphasizes long-term outperformance and risk-management through active asset allocation. Our strategies employ a diverse range of investments that incorporate a wide array of asset, sectors, and industry groups.

Dynamic Growth

Investment Objective
The Dynamic Growth strategy seeks to provide above average total return through full market cycles relative to its benchmark. The strategy intends to achieve this objective by actively managing asset classes in a timely, consistent manner.

Investment Strategy
The Dynamic Growth strategy actively manages a blend of assets based on our outlook for growth, inflation and interest rates. This is achieved by enhancing our outlook with a combination of valuation and growth analysis of each asset class. As the long-term risk/reward for an asset class shifts, we use a scale in, scale out approach to increase or decrease exposure. We temper our valuation discipline in both directions when a particular asset class is exhibiting sustainable strength or weakness. This helps us maintain an emphasis on valuation, allows participation in momentum and avoids the problems associated with market timing. As capital flows create timely opportunities, individual asset class allocations may vary from 0% to approximately 90%. Equity securities in this strategy consist primarily of mid-large cap US companies derived from our growth equity discipline. ETFs are the primary vehicle for commodity and fixed income exposure, including Treasuries, corporate bonds, preferred stocks, mortgage-backed securities and convertible securities. We also may use ETFs to gain broad exposure to a geography, sector, industry or style among equities that is favorable according to our growth discipline. Like other assets, cash may go as high as 90% in its use as a defensive tool.

Dynamic Growth and Income

Investment Objective
The Dynamic Growth & Income strategy seeks to provide absolute returns above inflation with sustainable income and moderate long-term capital growth. The strategy intends achieve this objective by actively managing asset classes in a timely, consistent manner.

Investment Strategy
The Dynamic Growth & Income strategy actively manages a blend of assets based on our outlook for growth, inflation, and interest rates. This is achieved by enhancing our outlook with a combination of valuation and growth analysis of each asset class. As the long-term risk/reward for an asset class shifts, we use a scale in, scale out approach to increase or decrease exposure. We temper our valuation discipline in both directions when a particular asset class is exhibiting sustainable strength or weakness. This helps us maintain an emphasis on valuation, allows participation in momentum and avoids the problems associated with market timing. Equity exposure is limited to a lesser portion of the total portfolio allocation relative to MACM’s Dynamic Growth Strategy. This strategy is appropriate for those investors seeking a real return over inflation using a diversified, balanced portfolio with moderately-conservative risk. In targeting total returns through full economic cycles, stocks may provide better results during one period and bonds the next. Thus, the stock/bond balance is subject to shifts over time. Overall, the diverse nature of the growth & income strategy and the bias toward income securities provides a relative measure of stability for investors.

Diversified Equity

Investment Objective
The Diversified Equity strategy seeks to provide above average total return relative to the worldwide market for equities. The strategy actively manages both growth and value equity segments, taking advantage of timely opportunities. The strategy manages various market capitalizations.

Investment Strategy
The Diversified Equity strategy invests in companies and sectors derived from MACM’s core equity screening discipline. Utilizing bottom-up analysis to identify businesses for Growth At a Reasonable Price (GARP), we purchase companies and sectors with strong brands and timely products. In diversifying into international and small/mid-capitalization markets, we select investments in ETFs that provide exposure to foreign and emerging market indices as well as companies of the Russell Mid-Cap and 2000 indices. We also may use ETFs to gain broad exposure to a geography, sector, industry or style among equities that is favorable according to our growth discipline. Our investment team actively manages the equity allocation mix among large, mid and small-capitalization stocks in US & foreign markets. We tailor the blend based upon our outlook for the best price appreciation relative to risk, factoring in our perspectives for growth, inflation, and interest rates worldwide.

Active Fixed Income

Investment Objective
The Active Fixed Income strategy seeks to provide a high level of current income and long-term income growth, as well as preservation of capital. The strategy intends to achieve this objective by actively managing among fixed income segments in a timely, consistent manner.

Investment Strategy
The Active Fixed Income strategy actively manages a blend of fixed income segments based on MACM’s outlook for growth, inflation and interest rates. This is achieved by enhancing our outlook with a combination of valuation and duration analysis of each fixed income segment. As the long-term risk/reward for an asset shifts, we use a scale in, scale out approach to increase or decrease exposure. We temper our valuation discipline in both directions when a particular asset is exhibiting sustainable strength or weakness. This helps us maintain an emphasis on valuation, allows participation in momentum and avoids the problems associated with market timing. We utilize ETFs to enhance the liquidity and maneuverability of the strategy. We actively allocate among investment grade fixed income sources, utilizing corporate, US Treasury, mortgage-backed and municipal securities. In addition, we selectively employ high-yield fixed income segments as timely opportunities present themselves. The investment team employs top-down and bottom-up research for security selection. As the economic cycle shifts with respect to inflation and interest rates, they alter portfolio duration for the optimum mix between current yield and appreciation potential. The team will lengthen bond duration for periods of slower growth and decreasing rates, and shorten duration for periods of accelerating growth and higher rates. Our search for improving credit quality complements our work in managing duration.

High Yield Fixed Income
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