Meeting with a financial advisor to discuss finance plans

Meeting with a financial advisor to discuss plans

Fixed Income

Fixed Income: A Steady Stream of Income

The purpose of yield-oriented investments in a Balanced Account is to reduce volatility and risk while providing an underlying base of consistent returns to the portfolio.

Two Approaches to Fixed Income

To accomplish the fixed income strategy we place a tremendous emphasis on quality, paying close attention to the strength of the bond issuer, buying only investment-grade issues, and maintaining diversification across industry sectors and issuers. This aims to provide greater stability within the portfolio and the opportunity for a more dependable source of portfolio income.

Fixed Income Potential Benefits

Portfolio Diversification
Reduced Volatility & Overall Risk
Stability of Principal
Portfolio Income

Shorter-Term Approach

Maximum maturity of 3 years
May purchase numerous debt instruments, including but not limited to, Money Market Funds, Treasuries, Corporate and Muni Bonds, and Commercial Paper
Purchases investment grade investments
Most appropriate for clients seeking short-term income solutions

Mid to Longer-Term Approach

Laddered approach with an average maturity of typically 3-7 years
May purchase numerous debt instruments including but not limited to, Treasuries, Corporate, and Muni Bonds
Purchases investment grade investments
Most appropriate for clients seeking mid to long-term income (typically not longer than 10 years)

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Investing involves risk of loss. Please review strategy descriptions and investment risks set forth in the Schedule F of Churchill’s Form ADV2 located in the Churchill Documents section of this website. No guarantee can be made as to performance results. No guarantee can be made as to curtailing tax liabilities and Clients should look to their separate tax advisor for tax advice.

Investment Risk
Clients should invest with a long-term time frame and understand that no one can guarantee investment results. Investing in the securities markets entails the risk of loss. In all events, each account is assigned general investment percentage goals/guidelines and an investment strategy, both of which may change from time to time upon direction from the Client. The Client understands these goals/guidelines are approximate and the actual amount invested in each asset class may vary considerably depending on Management’s assessment of market risk and the specific investment strategy chosen by the Client. At times, Churchill Management Group may choose to invest accounts, including accounts which have assets with a fixed income and equity goal/guideline, above the equity goal/guideline set by the Client, effectively adjusting the balance of the portfolio, as Churchill Management Group determines in its sole discretion, that under present market conditions so doing would be in the reasonable best interests of the portfolio. Churchill Management Group may employ defensive investment strategies notwithstanding Clients’ investment strategies and restrictions. Clients should understand that both Fully Invested and Tactical investment approaches come with the risk of loss. Fully Invested strategies are not concerned with overall market risks, staying invested even during bear markets. While Tactical strategies aim to reduce exposure prior to bear markets, no guarantee can be made as to success. No guarantee can be made as to curtailing tax liabilities and Clients should look to their separate tax advisor for tax advice.

Financial Planning Services
Churchill provides financial planning services to Clients that specifically engage Churchill for that service. The planning can include defining goals, designing a plan, assisting with implementing the plan, and evaluating and adjusting the plan over time, at the request of the client. The financial planning includes advice regarding securities investing, and may include discussions of a client’s tax, insurance, employee benefits, estate planning and other issues. Churchill, however, does not provide legal, insurance, employee benefit, estate planning, tax or accounting advice, and the client must rely on legal, insurance and accounting professionals for that advice and documentation.

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