Services

WE MANAGE INVESTMENT ACCOUNTS FOR...

These accounts may be equity (primarily common stocks only) or balanced accounts. In addition, some accounts may use no-load mutual funds to complement the primary stock and/or bond holdings.

WHAT WE EXPECT, MOST OTHER MANAGERS IGNORE

We cannot be accused of being gamblers or speculators. Buying stocks to capture cash dividend payments and the growth in these payments in the future is far removed from speculation.

Our investment philosophy is focused on cash returns and the growth in those returns over time. We believe few other managers have this perspective. Because of this, we impose demands on a portfolio that others don't.

We expect a specific cash return on portfolios that will be superior to the yield of the overall stock market. We use investments whose cash dividends are expected to grow at a faster rate than that of the overall market. We expect our mutual fund selections to perform above average relative to a particular investment objective.

While we cannot make guarantees about the future value of stocks, we rely to a lesser extent on price change and more on dividend yield to achieve our goals of return that we establish for stocks. If our expectations of superior growth in earnings and dividends are met, we expect to achieve appreciation under normal market conditions. Indeed, our past experience has been that if our expectations toward growth in dividends and earnings are met, our equity portfolios will out perform the overall market.

401(k) Plans

Whether you have an existing 401(k) plan or are starting a new plan, Widmann, Siff provides a new approach. Our plan does not limit employees to a narrow list of pre-selected mutual funds. Instead, participants select their investment goals and risk levels by choosing the proportion of their savings to put into one or more of the following categories:

Our experienced staff selects a no-load fund to match each of the above investment options and will change the fund when necessary. Since Widmann, Siff is an independent investment advisor and not affiliated with any one mutual fund, a broad spectrum of no-load mutual funds are available.

403(b) Plans

Due to recent tax law changes, organizations that offer 403(b) plans can now exchange plan assets, regardless of how they are currently invested, to an actively managed mutual fund portfolio. Plan participants can also continue to accumulate assets under their current payroll deduction plans. The same investment options as outlined above in the 401(k) plans are available. Participants in Widmann, Siff's 403(b) programs receive:

Participants of 401(k) or 403(b) can contact us for additional information on either setting up a new, low cost retirement plan or for the replacement of an existing program.