The Crews Bank & Trust Wealth Management team adapts its approach for each client. The process begins by discovering the appropriate asset allocation to balance risk and reward. We work with you to consider your individual goals, risk tolerance, cash needs, and time horizon. Once done, portfolios are created using separately managed accounts to control capital gains to help you maximize long-term tax efficiency.

The equity selection process focuses on the prudent use of both quality, individual stocks and exchange traded funds (ETFs) with the goal of obtaining the highest returns for the least amount of risk. We screen for companies with consistent and growing earnings, cash flows, profit margins, quality management, and debt levels.

Portfolios with individual stocks often have 30+ holdings, in conjunction with ETFs, and are balanced between all S&P 500 industry sectors. The strategy includes small-cap, mid-cap and sometimes international equities through the use of ultra-low-cost index funds. Depending on the client’s expectations and needs, some accounts may utilize ETFs exclusively.

For the fixed income selection process, we focus on high-quality, investment-grade, short- to intermediate-term bonds through ETFs. Particular attention is paid to the impact of duration and yield to maturities to control interest rate risk.

Performance is measured against standard indexes based on a client’s allocations and level of risk.

Our management fee is based upon the percentage of the assets under management, and we do not charge commissions.