Dr. Charles Lieberman, Chief Investment Officer
With unmatched financial expertise at its helm and the ability to offer highly customized portfolio management solutions, New Jersey-based Advisors Capital Management (ACM) is on a mission to help investors develop portfolios that perfectly align with their unique financial objectives and risk tolerance. “We follow a disciplined approach and vetted process to choose investments that enable clients to reach their investment objectives within their risk tolerance in a tax-efficient portfolio,” says Dr. Charles Lieberman, chief investment officer at ACM.
Founded in 1998, ACM’s top management includes veterans from the U.S. financial arena, including Dr. Lieberman, former Chief Economist at Chase, and former chairman of the U.S. Federal Reserve, Dr. Alan Greenspan, who is currently working as the company’s senior economic advisor. This expertise, along with ACM’s broad network of business development partners across multiple sectors, has enabled the company to become a go-to partner for intelligent investment portfolio management.
Further discussing the core competencies of ACM’s approach, Dr. Lieberman elaborates how every client engagement begins with an advisor meeting to ascertain the client’s investment objectives and income needs. “Based on whether a client wants to grow their portfolio or produce income, we construct a portfolio that accurately meets their needs while offering them alternative ways to invest their funds effectively,” explains Dr. Lieberman. ACM has a set of pre-built portfolio strategies that satisfy different client needs, whether to grow aggressively, protect their assets, gain consistent income or other objectives.
According to Dr. Lieberman, a risky approach that many investors consider is that a diversified portfolio guarantees longterm income.
We follow a disciplined approach and vetted process to choose investments that enable clients to reach their investment objectives within their risk tolerance in a tax efficient portfolio
If an investor’s strategy to produce income is to sell off securities regularly over time, they are bound to face sequenceof- returns problems when the market experiences a steep decline. To overcome this risk, ACM constructs a portfolio of income-yielding assets to enable the client to have reliable, recurring income without the risk of selling off assets at low prices after a sharp market decline. “If a client has limited capital supply, we can currently offer them a portfolio that has a yield of five and a half percent to generate enough income to meet their needs. If the income produced exceeds their needs, then we reallocate some of their funds into growth and give them a perfect blend of best-suited securities to meet their multiple personal objectives,” adds Dr. Lieberman. “If clients don’t need income, or need less than their portfolio can produce, we structure their account more towards growth.”
With such unparalleled capabilities, ACM has numerous success stories since its inception. In one instance, a client with USD 20 million needed USD 150,000 in recurring income per year. To help this client, the company invested 4 million dollars in higher yielding securities capable of delivering the desired income to the client. With the remaining USD 16 million, ACM allocated USD four million into aggressive growth securities, USD four million in U.S. dividends—a highly diversified, less volatile portfolio of larger, mature companies that will produce more consistent ROI, and another USD five million in Capital Preservation, which is a still safer portfolio that generates a modest yield. After the collaboration, the customer was still left with a significant amount left to invest, which ACM reallocated based on their needs and risk appetite.
Looking ahead, ACM aims to maintain its 25-35 percent growth pattern over the upcoming years. In pursuit of this, the company is currently expanding its network of advisors and portfolio managers across the U.S. “In the next 12-18 months, we want to expand our partner network with more leading companies, which will help us continue helping more investors make the best and safest decisions,” concludes Dr. Lieberman.