Investment Management

Klaas Financial has assembled an in-house portfolio management group dedicated to building, implementing, and overseeing client portfolios. Working alongside our Investment Policy Committee, they bring the Klaas Financial Investment Philosophy to life. By partnering closely with our Financial Advisers, they help educate clients and ensure each portfolio is thoughtfully managed to align with individual planning goals.

Utilize Academic Research to Improve Diversification

Taking part in the market is more valuable than attempting to time the market: Remain steadfast in long-term views. Investments are made with the intentions of long-term time horizons, not short-term beliefs.

Markets are efficient: Markets effectively and quickly price assets, given medium-term and long-term time horizons. Focus on accessing diverse investments at low costs.

Global equity market-cap weighted strategy: Over a long enough time-horizon, a global equity market-cap investment approach provides better diversification than higher concentration alternatives.

Disciplined, unemotional portfolio management is critical to long-term success: Defined benchmarks provide tracking error restrictions that ensure consistency to the portfolio allocation. Rules-based, passive management removes any potential opinion or emotion that could drive inopportune or excessive trading practices.

Index-based ETFs are a core feature: ETF investments provide diversity while maintaining strict adherence to their indices. Benefits of these investment vehicles include low internal expenses, tax efficiency, and high liquidity.

Industry leading portfolio management resources: Rules-based portfolio management is best implemented using sophisticated software. Our investment applications provide real-time insights of investments and client portfolios, allowing us to make more informed, data driven decisions.

Review & Implementation of Your Portfolio

• Existing Investments: Your adviser may need to work with the Portfolio Management Group to evaluate existing investments and provide feedback or identify opportunities that may exist.
• Tax Considerations: Some clients may have unique tax needs that directly impact on their investment design or that are derived directly from their existing investments. Advisers work directly with the Portfolio Management Group to effectively navigate these considerations.
• Implementation: The Portfolio Management Group implements your portfolio design based on your personal financial goals and with any custom tax needs built in.

Ongoing Investment Management

• Constant Oversight from Portfolio Management Group: The Portfolio group is consistently monitoring accounts investments, identifying any rebalancing needs, and managing any withdrawal needs or new contribution.
• Regular Reviews for Portfolio Design & Risk Management: Clients work with their advisers on a regular basis reviewing performance, risk, and appropriateness of the current portfolio to achieve their long-term financial goals.

Our Sustainable Portfolios are designed to primarily focus on Climate Impact through Carbon Emission Reduction. This is implemented while maintaining a close alignment with our Investment Philosophy.

Specialized Portfolios

Our CD Ladder Portfolios are customized to each investor’s planning needs. This is commonly used when individuals have excess cash or have near-term cash needs.

Our Enhanced Short Maturity Portfolios are designed to return enhanced interest payments beyond traditional Money Markets while trying to minimize risk through shorter maturity investments.

Managed Variable Annuities

Our Managed Variable Annuities Portfolios replicate our Investment Philosophy and provides a low-cost, index-based solution within an annuity. These portfolios are available to clients who have existing annuities with a desire to continue deferring taxes while maximizing investment efficiency. These are fee only annuities and pay no commissions to Klaas Financial, creating transparency on total cost.