"I want our clients and their portfolios to get the personal attention they deserve."

-Ryan A. Green (Founder/Chief Investment Strategist)

A Partnership you can trust

Sky Ridge Wealth Management LLC was formed to give clients/investors what they deserve.  A lifetime partnership with somebody they can trust.  At Sky Ridge Wealth Management LLC, each Financial Advisor will work with no more than 50 households, allowing us to strengthen our partnerships with each passing day. The Sky Ridge Mission is to provide clients a plan they understand, investment results they expect, and an Advisor they can trust.  

WHAT Does a client deserve?

1.  A Customized Portfolio tailored specifically for you, including Growth, Income, and Preservation strategies that meet your investment objectives.

2.  Reviews upon request and regular account updates on your investment portfolio.

3.  Your investments will be reviewed at least monthly by our Certified Financial Planner/Chief Investment Strategist or Portfolio Manager.

4.  A clear understanding of your expectations and our abilities.

5.  An experienced Financial Advisor with a Fiduciary Responsibility to always act in your best interests. Direct access to your Portfolio Manager(s).

6.  Competitive Fee Structure.

7.  An investment firm that will work closely with your Accountant, Estate Attorney, and additional third parties to make sure all aspects of your financial future are planned in advance.

8.  A Custodian (Charles Schwab) that provides client information readily via online access or telephone.

PHILOSOPHY

After establishing a portfolio plan tailored for each Sky Ridge Wealth Management investor, there are basic assumptions that fit into our strategy to help you understand our philosophy.

1.  Our strategy is to minimize investment risk and tailor those portfolios to our clients needs. Each client has their own unique set of circumstances which are forever changing.  Whether it's your tax situation, your age, your investment knowledge, or your risk tolerance, no two clients are the same.  This is why each portfolio should be tailored to the investor, not the other way around. 

2.   It's our belief that the strongest companies in the world are right here in the United States.  These companies also have the best management teams, largest and longest history of earnings/profits, and the most consistent track record of growing those profits over time.  The stocks in this category are commonly known as "Blue Chips." This category will make up a portion of the equities (stocks) in a given portfolio.  A majority of these companies are businesses that our clients continue to buy products/services from.  These companies have diversified product lines and are global in nature, which provides a diversified revenue stream. Again, by investing in these companies, we obtain global/international exposure by owning American companies.

4.   The Federal Reserve (Monetary Policy) has two mandates.  The first is full employment and the second is an inflation target.  The inflation mandate allows the Federal Reserve take measures to create inflation at any cost and they operate independent of US Government.  Inflation results in higher prices. Higher prices lead to higher company revenues.  Higher revenues lead to higher profits over time for companies with strong management teams. They also conduct Monetary Policy to have direct influence over the amount of currency in circulation to meet their objectives.

5.  Individual Stocks provide opportunities to outperform benchmarks based on cyclical economic conditions. Owning a stock is the equivalent to owning a business.  Its always better to buy the business at a lower cost than you can eventually sell it.  Sky Ridge Wealth Management LLC will focus on owning companies that have a strong track record of earnings growth, a competitive advantage in their industry, and strong fundamentals relative to their competition. Free Cash Flow/Revenue strength are the number one Fundamentals used in security selection. Strong free cash flow allows companies to take advantage of their balance sheets in the best possible way (buy back stock, reduce debt, make acquisitions, or take advantage of organic growth opportunities).

6.  ETFs (Exchange Traded Funds) are an excellent way to get broad diversification in areas not as well known by the research community, including assets classes with higher and lower relative volatility (price changes). Sky Ridge Wealth Management, LLC will use ETFs in areas such as Emerging Markets, Alternative Investments/Commodities, or to Hedge market risks.

7.  Our Chief Investment Strategist will use Value, Contrarian (out of favor), Income, and Growth based principals when reviewing securities for buy/sell.  We will rely on fundamentals.  We will also implement dollar cost averaging when appropriate and rebalance when we've observed a significant market event, such as a stock market benchmark change of 10% (up/down) or periodically.  

8. Fixed Income securities (bonds, CDs, Master Limited Parternships, Real Estate Investment Trusts, Preferred Stock, etc.) also provide excellent opportunities to both reduce risk and add income to portfolios.

SECURITY SELECTION

"VALUE" INFLUENCE

Ryan (Sky Ridge Wealth Management, LLC Founder/Chief Investment Strategist) has been influenced by Warren Buffet, a disciple of Benjamin Graham's Value investing style.  Ryan's father (and mentor) was a college Economics and Political Science Professor for 40 years in Nebraska.  Those influences, combined with Value concepts, have helped develop his Top-Down Analytical approach.  He employs fundamental research to find relative "Value" in Blue Chip companies (Large Companies with quality reputations and strong fundamentals). He will use 3rd party research for additional confirmation and the ongoing monitoring of each security.

Sky Ridge Wealth Management, LLC believes there is a time to own more stocks or more bonds based on relative valuations measures and market risks.  There is also a time to own more stocks in a given sector (utilities vs technology stocks for example) based on changes in the economic cycle.  Each security is purchased with the idea that the position could be held for 5+ years and more of the security could be purchased if the position reflected solid fundamentals or provided appropriate diversification.

When reviewing individual securities (Primarily Blue Chip Stock and Bond issues), Top-Down analysis is used.  Starting with global economic analysis and down to the individual security (stock/bond).  With stocks, we look for companies that have a track record of rising their dividend consistently over the last 5 years and strong enough cash flows to continue to do so into the future.  We also look for companies with a competitive advantage (often economies of scale) and always review them relative to their competitors (for buy and sell signals).  

When reviewing Growth Stocks, Top-Down analysis is used, but to a lesser extent.  The primary difference is the reliance on Revenue Growth vs Cash Flow Stability.  In this area of stock selection, Sky Ridge will focus heavily on their competitive advantage(s) within their industry (mega cap growth stocks).  Companies that have economies of scale and quality management teams and long term growth capabilities are reviewed relative to one another over time.  

Sky Ridge Wealth Management, LLC believes we can benefit from taking advantage of opportunities   using correlations over the intermediate and long term.  For Example, an investor who's normal risk tolerance leads us to a 60/40 portfolio (60% stocks and 40% bonds) may hold a lower percentage of stock or bonds.  Market trends or unique events may lead the portfolio manager to hold an increased amount of Cash (sometimes referred to as dry powder). It is also very important to acknowledge the large scale of risk differences within an asset class category (stocks, bonds, cash, etc.). It is our belief that individual security volatility allows professional money managers opportunities to benefit performance over time. This is due to required risk/return matrix becoming more reliable over time.