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Frequently Asked Questions

Frequently Asked Questions

FAQ’s

How much assets does Horter Investment Management manage?

$1,118,000,000 as of 12/31/14.

Where do you Custody your assets?

Trust Company of America & TD Ameritrade

How many advisors are affiliated with your firm in the U.S.?

Over 200 Investment Advisor Representatives and over 100 additional Investment Advisor Representatives with 50 independent advisory firms.

What is your Mission Statement?

Horter Investment Management’s approach is to seek to achieve superior risk-adjusted returns over a full market cycle (4-5 years) compared to the traditional 60% equities/40% bonds asset allocation. We do this by implementing investment opportunities with several tactical managers within our two risk buckets. For those investors who are unwilling to stomach anything more than nominal downside risk, our goal is to provide a satisfying return over a full market cycle compared to the appropriate index.

Is my money liquid at all times and can I have access to it at any time?

Yes

What is your minimum account size?

Generally $8,000

Are you a Stock Broker making money with commissions and transactions or are you a Fiduciary who is Fee Based and has to do what is in my long term best interest?

Our Advisors are fee based.

What is the difference between Stock Brokers who have a Suitability Standard of Care and a Fiduciary Advisor?

Stock Brokers and Registered Representatives are suitability Registered Representatives and receive fund/VA/REIT commissions and transaction commissions. Our fee based advisors are Fiduciaries who keep your best interest in mind at all times.

What is Tactical Asset Management?

Tactical Asset Management manages stock or bond assets and can go Risk Off to cash, potentially make money whether the stock market goes up or down and potentially make money with bonds as interest rates go up or down.

Why doesn’t everyone do Tactical Asset Management?

We generally recommend investors should have at least some of their investments in a Tactical portfolio.

How long has your firm been in the Financial Services Industry?

Since 1991 as a Registered Investment Advisor and 1982 when our Founder, Drew Horter, became Securities licensed.

Where are your National Headquarters?

Cincinnati, Ohio.

How do I know if you are not another Bernie Madoff?

Bernie Madoff did not use a Third Party Custodian to hold assets. All checks were made out to Madoff Securities. Our third-party custodians are Trust Company of America, TD Ameritrade and Jefferson National.

  1. Bernie Madoff had all of his Performance Reporting done by his own accountant.

Our third party performance reporting and billing is done by Advent & Black Diamond.

What outside third party does your Performance Reporting?

See #13.

Do you have proprietary products or are you completely objective when you choose Private Wealth Managers to be on your Low Risk or Moderate Risk Private Wealth Money Manager Platform?

No proprietary portfolios and we are completely objective when we engage a Private Wealth Manager firm.

Can I have direct monthly deposits to my checking account?

Yes.

Can I hold Stocks or Bonds in a Non-Managed Account?

Yes, and this is a non-trading account; holds positions only.

How often does your Investment Committee meet?

Twice per month.

Who is your Regulating Body?

Securities and Exchange Commission.

What are your fees?

Annual fees can vary up to our highest fee of 1.99% per year billed quarterly in arrears.

Who would benefit from meeting with Horter?

• Anyone who wants to avoid unnecessary losses.

• Anyone who is looking for a 3rd party evaluation of their current investment portfolio.

• Anyone with an IRA, 401K, TSA, or any other investment, who would like to fully understand how much risk they would have.

• Anyone who would like a plan to bring more discipline and planning to their financial goals through Low Risk, Low Volatility, Investment Management.

• Anyone who fears outliving their money. They want to avoid 2008 happening again?  Are we better off than we were then? When do you think the next recession will be? With 22 recessions since 1900 recessions/bubbles happen every 5 to 6 years (it’s been 5 years since 2008).

Questions For Consideration?

Are you prepared for the next bubble? ie. interest rates climbing, earnings peaking, eventual tapering of quantitative easing.

Do you think there will be higher taxes in the future?  Do you want to wait until they change the tax law or do you want to do something before they change the tax law?

Do you think there will be lower social security benefits in the future?  What is going to happen to your family’s standard of living? What is your strategy to replace those lost benefits?

If you have higher taxes and lower benefits, what happens to the money supply in the United States?  We print more! Another word is inflation! What’s your strategy to address, what Ben Bernanke has called, this hidden tax?

If we have higher taxes, lower benefits, and inflation, isn’t that going to cause more and more volatility?  What if you make a mistake, how about five? How many -40% years can you take?  What is your strategy to take advantage of the good volatility and not be hurt by the bad volatility?  Do you have one?

 

National Bureau of Economic Research- US Business Cycle Expansions and Contractions.
http://www.nber.org/cycles.html