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Patton's Mission: to dramatically improve the financial lives of every investor we encounter.



Our Portfolios

Simply a better portfolio

Super-Diversification is our proprietary investment strategy providing a solution for your total portfolio. It’s designed and proven to deliver better returns than a more traditional investment strategy of stocks and bonds for any risk portfolio.

Most investors own both stocks and bonds because it provides diversification. There are additional investments that offer much more diversification that are often ignored by most investors and many advisors. It’s these additional investments that are incorporated in our Super-Diversified Portfolios that make them better.

A total portfolio solution

Super-Diversification is an investment strategy for your total portfolio. We custom design a portfolio using our Super-Diversification strategy where all parts of the portfolio are designed to work together. A portfolio typically consists of ten or more funds that then represent 1000’s of securities plus a possible allocation to our proprietary hedging stratey. This offers you the luxury of having all your liquid investments consolidated in one place knowing that your entire portfolio has been strategically designed so that it is working for you.

Super-Diversification is a portfolio…not a product.

Investment Product

a product, such as single mutual fund, is generally designed to meet a narrow and very specific investment need or goal.

Investment Portfolio

a portfolio, such as a Super-Diversified portfolio, is a combination of multiple funds and securities in specific proportions (allocations) designed to deliver the appropriate risk profile for you.


Math that works

Correlation, a relatively simple mathematical statistic, explains a great deal about diversification. Correlation simply measures the performance of two things and determines how closely they move together.

Diversification is about having multiple investments in a portfolio that do not always move up down together. Our Super-Diversified Portfolios simply own more investments that deliver the benefits of diversification.

Correlation is the key to a diversified portfolio
Correlation measures how closely investments move up and down together
Highly correlated investments move up and down together very much the same way and at the same time. Such investments provide little diversification
Low correlated investments do NOT always move up and down together. These investments can provide great diversification.
Super-Diversified Portfolios consist of several low correlated investments to deliver great diversification. We make this math work for you!

Utilizing low cost index funds

The only funds used in your Super-Diversified Portfolio are low cost index funds. Exhaustive academic and industry research has shown that the math around this is simple…lower cost funds deliver higher returns. Lower cost is just one of the benefits of the index funds used in your Super-Diversified portfolio.

Other benefits include:

Diversification

index funds tend to be diversified among 2-3 times the number of holdings in competing funds.

No style drift

an index fund stays true to its target asset class

No overlapping holdings

many investors own multiple funds that then have overlapping holdings (multiple funds that own the same securities). Each index fund represents a distinct asset class and eliminates overlapping holdings resulting in a more efficient portfolio.

Access to a very wide range of investment types

there are different funds for nearly every asset class (U.S. stocks, international stocks, real estate, commodities, gold, bonds, and more).

Flex hedging strategy

In addition to a variety of low cost index funds in each Super-Diversified portfolio, many Super-Diversified portfolios also have an allocation to our proprietary Flex hedging strategy for additional diversification. This Flex Strategy consists entirely of U.S. stocks and has proven to provide substantial diversification value in a portfolio resulting in both better overall portfolio returns and comparable or lower risk. It was developed by our founder Mark Patton through four years of research analyzing the performance of stocks during more than a 50-year period.


Built on the success of others

There are few original ideas and diversification is certainly not a Patton original. Investors have been diversifying for centuries but it’s some leading university endowments, including Yale and Harvard, that have pioneered the use of investments beyond stocks and bonds and demonstrated the long-term success of doing so.

Super-Diversification incorporates many of the investment principles utilized by these very successful endowments. It’s important to recognize that these endowments do engage in certain investments, such as those that are illiquid, that are most often not appropriate for most individual investors and not part of Super-Diversification.


A portfolio tailored for you

Your risk and your goals are considered

Every investor is unique. We will take the time to get to know you so that we can build a customized Super-Diversified Portfolio that is appropriate for you. Following are some of the things we will take into consideration:

  • Your tolerance for risk (both financial and emotional)
  • Your investment goals
  • Your immediate and long-term needs
  • Your time horizon

Your Super-Diversified Portfolio will incorporate all of the great characteristics of Super-Diversification and be appropriate for your unique investment circumstances.


Additional highlights of a Super-Diversified Portfolio

Super-Diversified portfolios are designed to deliver to you a total portfolio solution. In addition to all of the above,
every Super-Diversified portfolio also has the following characteristics:

  • Great long-term performance
  • Safety and security
  • No upfront fees
  • No termination fees
  • No time commitment
  • Tax efficient funds
  • Automatic rebalancing
  • Highly liquid
  • Full transparency
  • Robust reporting
  • Very low custodial and transactions cost (not paid to Patton)

frequently asked questions

Q. Does a 401(k) plan have to have an investment advisor?

No. There is not a legal requirement that 401(k) plans have an investment advisory. Regardless, the vast majority of plans do have an investment advisor.

An investment advisor can often provide services that other plan service providers cannot. A 401(k) plan is an investment vehicle for its participants. There are typically 1,000’s of investment options to choose from to make available to participants in the plan. The plan needs an advisor with extensive experience to help select the appropriate 15-25 funds.

Q. What services do you provide to the plan sponsor / employer?

As an advisor to the plan, Patton provides a wide range of services including:

  • Plan design
  • Fund selection
  • Recordkeeper and administrator searches
  • Annual plan reviews
  • Named fiduciary

Other service providers, such as the recordkeeper and administrator, can provide advice to the plan but typically they have NO legal fiduciary responsibility to provide advice that is only in the best interest of the plan participants. Patton, often as the only service provider serving as a fiduciary to the plan, MUST provide only advice that’s in the best interest of its participants otherwise Patton could face legal consequences.

Q. What services do you provide to participants?

Patton’s goal is to help every participant accumulate as much money as possible for their retirement with as little effort and anxiety as possible. To help accomplish this goal, we do the following:

  • Initial Participant Education Meeting
  • Ongoing education via newsletters and videos
  • One-on-One Participant Consultations

In addition to the above services, Patton is glad to assist participants in any way possible to help them meet their retirement goals.

Q. Does Patton serve as a fiduciary to our plan?

Yes. We serve as a fiduciary to the plan requiring us to provide advice that is only in the best interest of the plan’s participants. We state this in writing in our agreement.

Note that most other service providers, such as recordkeepers and administrators, as well as most stock brokers, insurance companies and agents, and mutual fund companies do NOT serve as a fiduciary.

Q. How time consuming is a transition from one recordkeeper to another?

Transition from one recordkeeper to another can be very beneficial to the plan and its participants but it does require some effort on everybody’s behalf.

A transition typically takes about 60 days. Patton manages the entire process so that it is always clear what is need from whom and what needs to happen next. During this time, the point of contact for the plan sponsor (employer) will invest roughly 8 hours in the process. This will include a handful of conference calls, gathering information from the existing recordkeeper, scheduling participant education meetings, and communicating with participants.

Q. What is an open architecture platform and what are its benefits?

Open architecture means that the plan recordkeeper allows nearly any investment fund to be selected and made available in the plan to its participants. This is important so that the best funds can be selected for the benefit of participants.

Some recordkeepers limit the list of funds that can be selected from. Often these are higher cost funds and/or proprietary funds that often do not serve the best interest of participants.

Q. What are the benefits of an independent advisor?

An independent advisor is one who is employed by a firm that is NOT a broker firm, insurance company, mutual fund company, recordkeeper, or similar firm. Employees of these other firms most often are very limited in what they can offer to a plan and its participants (they can only offer their company as the recordkeeper, they are compensated more to have their firms funds available in the plan, etc.).

An independent advisor can instead offer the services of any recordkeeper and recommend any investment funds for the plan with no limitations or alternative motives. This positions the independent advisor to provide the best advice possible to the plan and its participants.

Q. What are the benefits of index funds?

Low costs. Index funds tend to be the lowest cost funds available. There is an index fund available for nearly every asset class (type of investment). Furthermore, extensive research has demonstrated that low costs funds simply produce higher returns that higher cost funds.

It is important to note that not all index funds are created equally. For example, some index funds are higher cost than other index funds that follow the exact same index. There are 1,000’s of index funds today to choose from and careful analysis must be done to select those that are best for a plan.

Still have a question? Ask Patton


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