Our Portfolio Approach

A Top-Down Approach to Asset Management

At Plimoth Investment Advisors, our investment process begins with a detailed understanding of your financial goals and vision for the future. From there, our team applies our rigorous, in-house research to construct and actively manage your portfolio. 

Unlike many organizations, we do not outsource our investment research or decision-making to a third-party, ensuring our ability to deliver efficient and unparalleled service.  Every economic evaluation, market assessment, and security analysis is performed by our internal team of experienced professionals. This allows us to maintain a disciplined, responsive process and deliver the high-touch, personalized service our clients value.

Here’s a closer look at our portfolio approach:

1. We Take the Time to Understand You

Your investment strategy should be as unique as your financial journey. Our process begins with thoughtful discovery, giving us a full view of your financial life, including:

  • Investment Goals – What are you working toward? Retirement, generational wealth, income, or growth?
  • Risk Tolerance – How comfortable are you with market fluctuations and long-term volatility?
  • Time Horizon – When do you expect to use these funds?
  • Return Requirements – What level of growth or income is necessary to support your objectives?
  • Liquidity and Income Needs – Do you need regular withdrawals or cash availability?
  • Unique Circumstances – Family, lifestyle, business interests, or other factors that inform your financial plan.
  • Tax and Legal Considerations – Ensuring your strategy aligns with tax efficiency and estate structure.

This foundation allows us to design a portfolio that fits not only your finances but also your life goals.

2. We Customize a Plan to Fit Your Needs

Once we understand your priorities, we develop a customized investment strategy tailored to your goals. This includes:

  • A detailed client consultation to understand preferences and expectations
  • Developing a disciplined asset allocation aligned with your risk profile
  • Implementing the strategy through carefully selected, diversified investments
  • Ongoing monitoring and periodic reviews to ensure your portfolio remains on track

Your plan is never static. We continuously assess and adjust as your goals or market conditions evolve.

3. We Build the Right Asset Allocation Structure

Asset allocation is one of the most important drivers of long-term investment success. We determine the right mix across key asset classes, such as:

  • Equity (Stocks)
  • Fixed Income (Bonds)
  • International Investments
  • Real Estate and Alternative Assets

This diversified framework is designed to balance growth potential, risk mitigation, and income generation based on your needs.

4. We Follow a Top-Down Investment Strategy

Our disciplined approach starts with a broad view of the economic landscape and narrows down to the most compelling opportunities.  Our top-down process includes:

  • General Economic Analysis – Interest rates, inflation trends, GDP growth, employment data, and more.
  • Market Analysis – Equity and bond market conditions, valuation levels, and sentiment indicators.
  • Sector Analysis – Identifying which industries and sectors present the greatest potential based on the cycle.
  • Quantitative and Qualitative Assessments – Evaluating financial strength, earnings trends, leadership, pricing power, and risk metrics.
  • Independent Research – In-house analysis supported by globally recognized research tools and data.

This strategy ensures your portfolio is grounded in insight, not guesswork.

5. Thoughtful Portfolio Construction

Once the strategy is in place, we carefully construct your portfolio using high-quality, vetted investments selected for strength, performance potential, and fit. Our team focuses on:

  • Selecting securities with strong fundamentals and long-term potential
  • Balancing diversification to reduce volatility and enhance opportunity
  • Position sizing based on conviction, risk, and market conditions
  • Actively managing holdings to take advantage of shifts in the economy and markets


The result is a portfolio intentionally built and continuously refined to support your financial goals.