Alberts Investment Management Inc.

Fixed Income

• This strategy focuses on maintaining high credit quality and providing above market after-tax yield, while preserving capital.
• Either taxable or tax-exempt bonds are utilized depending on the type of account, client specific factors, and relative value.
• Holdings consist of primarily individual bonds.  Closed-end funds, ETFs, and no-load mutual funds may also be used based on account and client specific factors, relative value, and other factors.

Equity

• This strategy focuses on broad exposure to many sectors including international and emerging markets.
• Sectors expected to underperform are either underweighted or completely avoided and sectors expected to outperform are overweighted.

Balanced

• Balanced portfolios are structured with a combination of fixed income and equity.
• The proportion of fixed income versus equity is customized for each client based on the client's unique factors and relative value.

All Strategies

• Tax efficiency is a priority for taxable accounts.