OUR MUTUAL FUND PHILOSOPHY

The FOCUS mutual fund selection process utilizes the expertise of various research organizations to obtain the most useful, accurate and comprehensive information on over 2,000 mutual funds.

Through a diligent screening process, FOCUS selects only no-load mutual funds with above-average, risk-adjusted performance. While we consider the current attractiveness of the funds, long-term performance is a key component of the selection process. The FOCUS selection of funds strives to deliver long term, consistent performance.

For fixed income, we will build a laddered portfolio with either taxable or tax-free funds, depending on your tax status.

For equities, Tower’s portfolio managers will build a diversified stock portfolio comprised of the following asset classes:

	Mid/Large Cap Growth
	Mid/Large Cap Value
	Small Cap
	Aggressive Growth
	International Stock

As an ongoing management service, our FOCUS screening process reviews the individual fund managers within your portfolio. Should a fund manager deviate from their mandated style, we will begin to look for a suitable replacement. Also, we are alerted by any changes within a fund’s management team.

Through this thorough screening and review process, your portfolio will hold the highest quality no-load mutual funds available to meet your specific needs.