WEALTH MANAGEMENT &
TRUST SERVICES
Providing guidance and discipline for families who want to ensure a legacy of financial health.
Protect, Preserve & Grow
Salem Five Wealth Management and Trust provides clients independent full-service financial advice and management to institutions and high-net-worth individuals. We are legal fiduciaries, which means our clients' needs come first. We are a fee-only fiduciary wealth management firm and do not sell products or charge for transactions.
Our Approach
Asset Allocation is responsible for more than 90% of portfolio performance. Stock selection and market timing make only a minor contribution to performance. This provides the framework for managing risk, with an emphasis on: core–satellite investment strategy; allocations to high Alpha asset classes, including Small-Cap, Micro-Cap and Emerging markets; and allocations to real assets such as Commodities, Energy MLPs, Infrastructure and REITS.
Highly regulated oversight and review process:
- Weekly Investment Committee meetings
- Monthly Reg. 9 Oversight meetings
- Quarterly Oversight by Investment Trust Committee
- Annual Audit Requirements
Our Services
Investment Management
Financial Planning
Estate Planning
Trust Planning & Administration
Corporate Trustee & Fiduciary Services
Succession Planning
Custody & Escrow Services
What you can expect:
- Create, monitor and update investment policy objectives and asset allocation targets
- Regular face-to-face meetings and results presentation
- Tax-efficient investment management
- Dedicated Salem Five Relationship Manager and Investment Officer
- No transaction costs
Personal Investment Process
Step 1: Gather Information
- Identifying your investment goals
- Establishing your risk tolerance
- Determining an investment time horizon
- Identifying tax requirement and liquidity needs
Step 2: Design a portfolio based on your investment needs and constraints
- Identify an investment strategy
- Set the asset allocation
- Create an investment policy statement
Step 3: Implementation and Monitoring Portfolio to Investment Objective
- Setting the investment strategy into action
- Constant monitoring of securities and financial markets
- Replace securities and managers that fail to meet the client’s financial goals
- Continuous communication and review of portfolio and financial objective
MANAGING DIRECTOR, WEALTH MANAGEMENT & TRUST
Jeffrey McDonald
Chief Investment Officer
2 E Main Street, Georgetown, MA 01833
(978) 720-5155
jeffrey.mcdonald@salemfive.com
Securities and Investment products offered through Salem Five Wealth Management and Trust Company
(a division of Salem Five Bank) are:
| Not Insured by FDIC or Any Other Government Agency |
Not Bank Guaranteed |
Not Bank Deposits or Obligations |
May Lose Value |
|---|