Investing our time in
your success

Understanding your needs is the key to developing a successful long-term investment strategy. That's why our Portfolio Management Group takes the time necessary to help you identify your goals. Investing time up front will ensure your future success.

Our experienced team members serve as partners in your financial success by:

• Understanding your individual investment needs

• Providing you with disciplined, goal-based investment solutions

• Developing customized portfolios to address your needs

• Monitoring and re-balancing your portfolio as personal needs and market conditions warrant

• Measuring and communicating investment performance

• Maintaining unsurpassed levels of personal service

Our investment philosophy

When you partner with us, you receive unbiased recommendations designed to meet your specific financial objectives. Our portfolio managers are salaried members of our team, and are not commission based. This fee-based approach means you are assured an unbiased assessment tailored to your needs, goals and investment objectives.

Our investment philosophy is guided by four overriding principles:

Diversification: We believe diversification in investment styles, asset classes and industry sectors are key to successful portfolio management. We employ a strict discipline with regard to allocation among asset classes.

Active Management: Portfolio management is a dynamic process that requires ongoing focus. Our active approach allows us to monitor and restructure client portfolios to reflect the realities and opportunities of today and tomorrow. Inherent in this approach is the active participation and interaction of a team of highly experienced portfolio managers, who are able to quickly react to the challenging and complex investment environment.

Risk Management: Our reluctance to participate in the latest "hot" security or market trend helps clients avoid the painful experience of long-term price depreciation. This disciplined approach ensures that our clients' portfolios are fully compensated for the risk associated with securities owned, and generate consistent, above-average returns.

Open Architecture: Our open-architecture philosophy allows us to strategically combine in-house expertise with external investment management capabilities to achieve a "best-in-class" portfolio for our clients. During this ongoing process, our portfolio managers conduct unbiased research, which enables them to select and monitor securities and mutual funds, and ensure that outside managers are meeting Washington Trust Bank's high standards.