Investment Consulting
HeadInvest, an independently managed subsidiary of Androscoggin Bank, is a specialized investment consulting firm offering a disciplined investment process for the savvy customer. If you need specialized expertise in investment consulting, HeadInvest is your solution.
HeadInvest, Investment Consulting
Primary investment consultants for individuals, businesses and non-profit clients, HeadInvest provides expert investment consulting services in support of Androscoggin Bank’s own investment management and trust client relationships.
HeadInvest Investment Management Process
HeadInvest investment managers work with you to gain a thorough understanding of your financial goals, tolerance for risk, tax sensitivities, liquidity needs, and income requirements. Only then, with your specific needs and objectives firmly in mind, is a customized investment plan developed for you.
Asset Allocation
As investment consultants focused on longer-term performance, we emphasize establishing the appropriate asset allocation for each client. The mixture of asset classes in an investment portfolio is a critical determinant of overall return and volatility. The appropriate mixture of equities, fixed income securities and cash must be tailored to fit each client's individual needs.
Equity Selection Process
Using a proprietary equity valuation model, developed and maintained by HeadInvest, our research staff searches the universe of stocks for those that demonstrate solid fundamentals and appear underpriced in the current market relative to a theoretically proper valuation of their growth. Then we diversify portfolios across the economy, paying attention to how sector weightings in our managed portfolios compare to weightings in broad market indexes.
Trust services are offered through Androscoggin Bank, a Maine chartered Savings Bank. Investment management services are offered through both Androscoggin Bank and HeadInvest, an affiliate of Androscoggin Bank and a registered investment advisor with the Securities and Exchange Commission.
Investment and insurance products offered:
- ARE NOT BANK DEPOSITS;
- ARE NOT FDIC INSURED;
- ARE NOT OBLIGATIONS OF, OR GUARANTEED BY, ANDROSCOGGIN BANK OR ANY AFFILIATE; AND
- INVOLVE INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF PRINCIPAL.
