ALTITUDE CAPITAL MANAGEMENTBuilding a Balanced, Flexible Approach for Lifelong Retirement Income and Growth
For decades the investment philosophy of the mainstream Wall Street firms has been rooted in Modern Portfolio Theory. Portfolios have been tailored to the Efficient Frontier portfolio which attempts to achieve higher returns while addressing the risk associated with achieving those returns. Unfortunately, the Modern Portfolio Theory and Efficient Frontier portfolios are created with a buy and hold strategy that often leaves investors vulnerable to the inevitable market downturn cycles.
We take a more tactical approach incorporating the principles of diversification but using technical and statistical analysis to further address market risk and seeking optimal portfolio performance.
We believe there is statistical evidence that shows there are tendencies in market analysis that can be taken advantage of such as sector and asset rotation trends as well as seasonal market periods that have shown themselves to be advantageous to equity market participants.
We utilize the latest portfolio strategies that are not rooted in the longstanding buy and hold strategies that ultimately leave market participants more susceptible to market downturns.
We prioritize the security of your hard-earned capital. By properly structuring your "safe money" — the portion of your portfolio designed to provide consistent, reliable income — we help ensure that you can weather any economic storm without risking your principal. This strategy acts as the foundation of your financial house, offering you peace of mind and the ability to draw income in retirement without fear of market volatility.
Unlike the conventional "set it and forget it" approach, we believe in actively managing your investments to maximize growth opportunities. There are times when being in the market is right for you, capitalizing on long-term growth, and there are times when it’s more prudent to hold cash. This dynamic approach allows us to adjust your portfolio based on market conditions, ensuring that your wealth continues to grow while minimizing risk when necessary. Flexibility is key, and we adjust as markets evolve.
We don’t follow the outdated 4% income rule that assumes a static withdrawal rate from your portfolio, because we know it doesn’t work for everyone, nor does it account for changing market conditions or unexpected life events. Instead, we design customized withdrawal strategies that align with your unique needs, risk tolerance, and income goals. Whether you're seeking a more conservative or aggressive approach, we ensure your income is sustainable for the long term, with the potential for growth built in.
While we focus on generating reliable income in retirement, we never lose sight of growth potential. By combining strategic asset allocation with market timing, we help you grow your money over time. This means capturing the upside of the markets without putting your financial future at risk. We believe your investment strategy should be forward-looking, constantly evolving as you approach and enter retirement.
We don’t believe in one-size-fits-all solutions. Your life, your goals, and your retirement are unique, and so should be your investment strategy. We build and manage portfolios that are actively tailored to your situation and adjust as your needs, goals, and market conditions change. We stay proactive, ensuring that your investment strategy remains aligned with your long-term vision.
We are committed to more than just managing assets. We are here to provide you with the guidance and tools you need to achieve a secure, prosperous retirement. By blending safety, growth, and active management, we create strategies that aim to provide you with income for life, all while maintaining the potential for your wealth to grow over time.
Our philosophy emphasizes flexibility, personalization, and a commitment to both security and growth — we are not offering a cookie-cutter approach, but rather one that evolves with the needs and market conditions. It sets a strong foundation for educating clients about a more active, dynamic, and customized approach to investment management.
We prioritize the security of your hard-earned capital. By properly structuring your "safe money" — the portion of your portfolio designed to provide consistent, reliable income — we help ensure that you can weather any economic storm without risking your principal. This strategy acts as the foundation of your financial house, offering you peace of mind and the ability to draw income in retirement without fear of market volatility.
Unlike the conventional "set it and forget it" approach, we believe in actively managing your investments to maximize growth opportunities. There are times when being in the market is right for you, capitalizing on long-term growth, and there are times when it’s more prudent to hold cash. This dynamic approach allows us to adjust your portfolio based on market conditions, ensuring that your wealth continues to grow while minimizing risk when necessary. Flexibility is key, and we adjust as markets evolve.
We don’t follow the outdated 4% income rule that assumes a static withdrawal rate from your portfolio, because we know it doesn’t work for everyone, nor does it account for changing market conditions or unexpected life events. Instead, we design customized withdrawal strategies that align with your unique needs, risk tolerance, and income goals. Whether you're seeking a more conservative or aggressive approach, we ensure your income is sustainable for the long term, with the potential for growth built in.
While we focus on generating reliable income in retirement, we never lose sight of growth potential. By combining strategic asset allocation with market timing, we help you grow your money over time. This means capturing the upside of the markets without putting your financial future at risk. We believe your investment strategy should be forward-looking, constantly evolving as you approach and enter retirement.
We don’t believe in one-size-fits-all solutions. Your life, your goals, and your retirement are unique, and so should be your investment strategy. We build and manage portfolios that are actively tailored to your situation and adjust as your needs, goals, and market conditions change. We stay proactive, ensuring that your investment strategy remains aligned with your long-term vision.
2015 Grand Avenue
Des Moines, Iowa 50312
United States
+1 (515) 207-3310
hello@altitudecm.com