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When was the last time someone from Empower called you and provided guidance for your portfolio?


Start With a Free Consultation

Every client is different and every investment portfolio has different needs. If you are a Lockheed Martin Employee hired after 2007, your retirement plan is called a defined contribution plan and its record keeper is Empower Retirement. Empower Retirement is the new record keeper, taking over for Voya at the beginning of 2019. Many of the retirement plan features are the same, just a different log in interface on the Empower website.

Empower 401k participants have a self directed brokerage option; whereby, clients can open a TD Ameritrade account that has the ability to trade individual stocks, commission free ETFs, bonds and many more securities. We work with Lockheed Martin clients by guiding  you through Empower’s process to open the self directed brokerage option,  then once the self directed account is open, we create an investment allocation based on your objectives and time to retirement. 

The first step is to determine your risk tolerance to see what type of portfolio best suits you. Then we determine your investment objectives which can be based on three criteria: investment income, speculation or conservative income strategies. After we determine which portfolio is appropriate for you, we create a tailored investment mandate; which is a specialized document that guides our management of your portfolio. 


Select a Strategy

We manage three separate strategies: Traditional Asset Allocation, Derivative Allocation and our Fixed Income Strategy.

For Lockheed Martin employees we recommend a traditional asset allocation, which is based on “Modern Portfolio Theory”. We buy a combination of stocks, bonds and ETFs,  so that if one asset goes down in value, another will go up in value. The purpose of this strategy is to reduce overall portfolio risk and generate above market returns.  



Customize the Portfolio

We create the portfolio comprised of individual stocks, ETFs, option securities and bonds. We never purchase mutual funds because they are never in our clients best interest. Our portfolios are created based on value and fundamental analysis, meaning we purchase stocks that are undervalued and backed by positive earnings.

We select investments that have a lower expense ratio than your current Empower investment options. We believe reducing overall investment expenses, increases the compounding effect of returns.



Manage the Portfolio

We analyse Lockheed Martin client portfolios on a daily basis; whereas, Empower re-balances your portfolio only a few times a year. 

When appropriate, we make buy or sell decisions that benefit our clients portfolios. We trade on a discretionary basis, meaning we have a limited power of attorney from our clients to buy or sell when we deem appropriate. We keep clients informed about their portfolios by communicating on a regular basis.

How We Analyze Companies to Invest In

Fundamental Analysis

We look at valuation multiples, profitability/liquidity and long term solvency ratios. We search for companies that have consistent free cash flow generation, so the company has capital to reinvest in operations for future growth. On occasion, we build discounted cash flow models to analyse a prospective business and see what the 5-10 year outlook is for company. Once we build the operating model, we forecast projected free cash flows to discount back to a present value share price, which allows us to determine whether or not a company is worth investing in.

Technical Analysis

We look at indicators such as moving averages and long term pricing trends. Technical indicators drive short term movements in share prices and allow our investment managers to achieve the best possible share price for our clients. The simple 21, 50 and 200 day moving averages have tremendous influence on short term moves in share prices. These moving averages can act as a support to stabilize a share price from falling, or even a resistance which can prevent a share price from rising any further. When you use technical analysis it can explain pricing behavior and market psychology to better help our portfolio manager make a buy or sell decision.


When it comes to purchasing or selling options for clients, we analyse the options pricing model to determine the probability of a specific trade to end in favor of the client. An example would be when we sell a 2 standard deviation covered call option from the current share price, this means under 97.5% of probabilities this specific trade would end in the clients favor. Options pricing tends to be skewed to the put side, meaning put options are often priced for a large move to the downside because investors fear a large stock market crash. We capitalize on this put option skew by selling cash secured out of the money put options to collect theta and time premium for our client accounts.

Schedule Your Free Consultation Today!

When was the last time someone from Empower called you and provided guidance for your portfolio?

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