ABOUT US

We are a full-service investment advisory firm dedicated to providing our clients with professional, personalized services and guidance. RGA Investment Advisors has been providing quality, personalized fee-based investment guidance to local individuals and businesses since 2006.

Investment Philosophy

RGA Investment Advisors seeks to offer objective solutions based on thoughtful and proven expertise. We work with our clients to identify long-term goals and risk tolerance to develop customized portfolios. We continually monitor each client's portfolio and implement tactical adjustments based on our market outlook. We emphasize risk controls through diversification and strive to offer superior performance in our client accounts, while always adhering to our philosophy of Integrity First.

We assert that there are three factors that determine long-term portfolio performance:

• The long-term asset allocation between equities, fixed income, real assets and commodities.
• The funds and/or vehicles selected to represent the various asset classes.
• The total cost incurred to manage the portfolios.

At essence, we are a value-oriented investment management firm.  That means that we subscribe to the school of investing that can be traced back to Benjamin Graham.  As value investors, we rely on hard work and diligence in order to constructively identify the fundamental value of an investment opportunity.  We look first and foremost to an investment with an identifiable margin of safety, where there is some value underlying the price of the asset itself, and second for situations where we can buy a given asset for less than its true fundamental worth.  

In order to identify investment opportunities, we implement a variety of financial and performance metric screens, and follow a watchlist of companies that have identifiable and quantifiable durable competitive advantages.  We only buy an investment when it is within our opportunistic price range, and exercise both patience and diligence in deploying client assets strategically across asset classes.

Central to the concept of value investing is the recognition that the market itself has its own personality, something that Benjamin Graham named Mr. Market.  On good days, Mr. Market is euphoric and will only sell you his shares at expensive prices; however, on bad days, Mr. Market becomes quite upset and panicked and will sell you those very same shares for a far lower price, without any fundamental change having taken place.  It is our objective to buy at the most opportune of times, when those in the industry typically are selling, and to sell when most others are buying.

First and foremost we always focus on the risk side of the equation, and second we turn our lens towards the upside.  Until we feel comfortable that the risk is both quantifiable, and reasonable, we then turn towards understanding how much upside we can gain through the benefits of long-term ownership and compound interest in order to understand our true risk-reward scenario.  We then further analyze the probabilistic outcomes of a given investment in order to provide a quantifiable understanding as to how the long-term odds will (or will not) stack in our favor for a given opportunity.