Focused on the long-term and continuous opportunities
Technically, Two Point Capital is an active investment management firm. We are experts at evaluating and understanding risk of all kinds, and at developing the insight that leads to discovering hidden opportunities.
Our Value+Quality™ discipline keeps us focused on the long term, not today’s results, or this quarter’s results, or even this year’s results.
We are always looking to optimize the holdings in your portfolio, so we also pay serious attention to the news of the day, the week, the month, because—particularly in times of volatility—that is where opportunity lies.
In truth, we think of ourselves as a proactive investment management firm. And the more proactive we are, the more relaxed you get to be.
Your portfolio manager is a Chartered Financial Analyst® (CFA®), which is widely considered to be the premier designation of education and excellence within the investing profession. Chartering involves three rigorous tests and three years of experience. CFA designation at Two Point is only the beginning; we also deliver real-world expertise in economics, business, and financial markets.
We perform our own research and make our own decisions about the individual stocks and bonds in your portfolio. Here are just a few of the factors we consider when making investment decisions:
We have developed a disciplined investment approach, Value+Quality™ over 30 years. We are extremely rigorous in following this approach. This makes it possible for you to understand and commit to a long-term investment strategy that makes sense to you. We don’t fly blind and neither will you.
We offer customized investment strategies and levels of risk depending on what you’re trying to achieve, the timeframe you have to save and invest, and the amount of risk that lets you sleep comfortably at night and discover more joy during the day.
We’ve worked for other companies. There are plenty of skilled and expert money managers in the world. But company founder Jack McGowan started his own company because he wanted not just to do it well, but to do it differently. Read more about how our values drive our culture.
We have an audited track record spanning 23 years, so even though the next year will be different, you can have a sense of our performance over time. We are open and transparent.
Your funds are on deposit with a custodial institution (such as Fidelity or Vanguard). We have no authority to do anything with them except invest them, and we don’t invest them in non-liquid vehicles. The custodian provides you with monthly statements and easy visibility into your investments. You don’t have to worry that we are your next Bernie Madoff nightmare.
We charge a 1% management fee on the first $1 million of your assets under management, and a lower fee for the balance of the funds in your portfolio. This may be in sharp contrast to what you are paying now.
Custodians may charge trading and/or account fees. No part of these trading fees goes to Two Point and we work to minimize them for our clients to the extent possible.
As a registered investment advisor, we fall under the oversight of the Securities Exchange Commission, or SEC. Each year, for many years, we have filed an ADV Part 2A with the SEC. The ADV Part 2A lays out all of the ways we do business, which we have summarized above for you. You can access our ADV Part 2A on the SEC website, or download our ADV Part 2A here.
In 2020, the Securities Exchange Commission introduced an additional filing, the ADV Part 3. The contents of this document and much of the specific language required by the SEC is meant to be a plain language, easy-to-read way for people to understand some basic concepts that apply to a variety of businesses that operate in the broad financial services industry. Although we would prefer a document more tailored to the services we offer, we’re glad to see that the SEC is working to clarify some of the confusion that exists about the offerings available in the financial services industry. You can download our ADV Part 3 here.
Well, it all depends on what you’re doing now. Do you have a financial planner, stockbroker or wealth advisor; are you working with an active investment management firm; or are you managing your own money? Learn more about the pros and cons of these and other ways to manage your money on our Informed Investor page.