Proctor Financial

Proctor Financial advises individuals (with an emphasis on clients at or near retirement) and a range of other client types including trusts, estates, retirement plans, charitable organizations and small businesses, providing comprehensive investment management and integrated financial planning. The firm also supports implementation matters such as insurance, education and estate planning and makes tax preparation available as an additional service for its managed‑asset clients.

The firm constructs fully customized asset‑allocation plans using a proprietary Time‑weighted Cash‑flow Methodology to map long‑term cash‑flow needs to portfolio design, then implements and rebalances accounts on a discretionary basis. Portfolios are globally diversified across multiple asset classes and may include alternative exposures and customized structured notes negotiated with large investment banks, which the brochure notes introduce issuer credit and liquidity considerations that Proctor monitors.

Proctor operates with a small advisory team managing several hundred million dollars of client assets and follows a practice of managing a high percentage of clients’ liquid investments, providing daily online reporting and quarterly reviews. The brochure also highlights the firm’s use of external research and rating services (for example, Morningstar) as part of its analysis and documents in writing its Code of Ethics, proxy‑voting processes, and supervisory practices for personal trading.