Two main reasons – expertise and time. If you do your own research, keep current on business and the economy, and spend time studying and monitoring your investments, then maybe you do not need a professional money manager to help you. Many of our clients could invest on their own if they were able to commit the time and resources to do so. Arcataur provides specialized knowledge and experience that can help guide you in determining your investment objectives and pursuing them. We work full time on your investment portfolio, so you can pursue your other personal and professional interests.

We primarily manage investment assets for individuals, trusts, endowments and IRAs. Our investment products focus on large capitalization equities, investment grade fixed income and balanced portfolios. Our business is focused on managing separate accounts. We offer personalized service by partnering with our clients to meet their individual investment and service needs.

Arcataur views proper identification and monitoring of investment objectives and risk tolerance, asset allocation and superior stock and bond selection as the main sources of value we bring to our clients. In addition, we manage our client relationships proactively, and provide individual attention and monitoring of our clients’ investment portfolios and their investment needs. And we provide all of this at the lowest reasonable cost. We are keenly aware that every dollar of expenses, including trading costs and management fees, reduces the total return to our clients. Arcataur understands the idea of being a good shepherd of capital, and the importance of long-term staying power and compounding.

Focus. Dedication. Integrity. Smart Investing. That’s Arcataur Capital Management. Arcataur strives to ensure their clients succeed in all markets by:
• Providing institutional class investment expertise
• Seeking investment returns that are consistently better than those of its competitors and with lower volatility
• Providing highly personalized investment advice
• Being easy for their clients to deal with
• Maintaining the lowest reasonable management fees
• Providing assistance, education, guidance and advice that enables their clients to meet their financial goals

Whatever custodian you have chosen has custody of your assets. Your custodian typically may be a brokerage firm (such as Schwab or Fidelity) or a custodian bank (such as M&I Bank. Arcataur does not have custody of your assets. This means that at all times, you retain ownership and control of your assets. The only authority Arcataur has over your assets is the ability to manage to investments for our clients, based on their stated investment objectives, and withdraw the agreed upon management fees.

As our name suggests, Arcataur’s investment style and strategies are suited for both bull and bear markets. Our fundamental approach to investment selection and our active management style are suitable for both up and down markets. We believe our way is the way to manage serious money. Through discipline, dedication, diligence and integrity, we earn client trust in our ability to handle their money in a predictable and ultimately profitable way. We adhere to our philosophy and investment approach. We also recognize that our greatest asset is the trust and confidence of our clients. We are committed to utilizing our extensive experience of economic and financial markets and to perform fundamental in-depth company analysis to create balanced investment portfolios with solid performance for our clients.

Arcataur generally prefers accounts with at least $500,000 in assets. Under certain circumstances, Arcataur may treat affiliated accounts as one account for purposes of this minimum asset size preference. Arcataur may accept accounts with a value of less than $500,000, depending upon the nature of the account, the potential for future additions to the account, and other factors.

In some cases, your existing securities positions may be sold, and in other cases, some of these securities positions will be kept. This will depend upon several factors, including the following: (i) whether the security in question fits an appropriate asset allocation for the account; (ii) whether we judge the security to be of appropriate quality and/or appropriate fit for the portfolio; (iii) what would be the tax consequences of selling the security; (iv) what are the client’s wishes with respect to the security. For example, some of our clients may be overweighted in employer stock, and may desire to keep the overweight. In these cases, if a client wishes to continue owning a security we would not normally have in the account, it is possible to retain it in the portfolio and exempt it from portfolio management fees.

All funds in your account belong to you, and you can make additions or withdrawals from your account at any time. If you do plan on making additions or withdrawals to your account, it is a good idea to let us know in advance, so we can make arrangements to invest the contributions in the case of account additions or liquidate investments in the case of withdrawals. If securities need to be sold to raise funds, keep in mind that it may take you a few days to obtain the cash.

Before we have you sign any paperwork, we will sit down with you and review your investment goals and objectives, your risk tolerance, and any investment-related guidelines or concerns you may have. We then will discuss with you our proposed investment approach for your account, and if you are comfortable with it, we can then proceed to complete the paperwork which will enable us to manage your account. We will have you sign an investment management agreement with us, which permits us to effect transactions for your account. You also will need to sign custodial agreements and fill out paperwork to open an account with a custodian of your choosing. Additional documentation may be necessary in the case of asset transfers, which we can help you with.