New Albany Investment Management LLC (NAIM) is a state registered, independent investment advisory firm established to provide highly personalized investment management and wealth planning services.

 

The mission of New Albany Investment Management is to enable clients to meet their financial objectives, giving them the confidence and freedom to pursue their life goals.

SERVICES OFFERED

 

Pursue

Life Goals

Create a realistic plan...

The mission of NAIM is to enable clients to meet their financial objectives, giving them the confidence and freedom to purse their life goals. Creating a realistic financial plan is key to reaching these goals. NAIM provides candid assessment of each client’s situation and designs a plan to attain their goals.

Investment Management

Design the right strategy

NAIM aligns each client’s financial goals first and then designs a unique investment strategy that is suitable given their risk parameters and current market conditions. Market risks such as price, interest rate, credit, and liquidity must be continually evaluated against the potential for return. With constant study of the global markets, NAIM service is active, timely, and successful.

Financial Advisory

Identify the risks

The strength of any financial plan is the integrity of the data and proper assessment of the risk. Sudden and dramatic changes, whether market related or a life-event, can turn a financial plan upside down.  NAIM identifies and provides guidance on how to prepare and manage through these circumstances.

Pension Consulting

Reaching your retirement goals

Determining what to do with your pension can be challenging. NAIM offers consulting on Qualified Pension plans. Consulting services that may include: recommendations on asset allocations, educational seminars, special projects, plan surveys, evaluation of vendor services.

Market

Insight

Deciphering the global markets

The global markets are driven by emotions as well as supply & demand forces that are influenced by ever-shifting political, economic, and fiscal policies. As technology advances, the global markets become more intricately connected. NAIM continually monitors current and projected market trends and offers perspective in a monthly Market Insight letter which is distributed to all clients and other interested investors.

Wealth Planning

A second opinion...

Separate from direct financial advisory and investment management, some clients may need  wealth planning services that are unique to their specific needs. These services may include: calculating retirement projections, designing a savings plan, or evaluating the best retirement payment plan option. NAIM works with each client to ensure a realistic and solid plan.

THE CLIENTS

Individuals, Businesses, Trusts & Pension Plans

Account Types: Brokerage, Retirement, Trust, 401k

Account Size: $500,000 minimum | Average Account Size: $1.4 mm | Assets under management: $24 mm

Every client, whether an individual or a couple has unique life goals and objectives to which their savings are to support. Though time horizon varies, most clients migrate through four life categories. But there are also special situations that fall outside the norm.  In either case, NAIM addresses each situation with specific recommendations and strategies to meet the client’s life goals.  Below is a description of each life category and a sampling of some  New Albany Investment Management clients:

 

  • Young & Hungry

    • Net Worth: $100,000 (College Debt) - $50,000

     

    • Realizing a need for savings plan to manage and pay off Debt. Fresh out of College or Graduate School or early stages of establishing career.

     

    • Note:  NAIM provides complimentary Advisory services to people in this life category.

    Young and Hungry | Age 25 - 35

  • Climbing the Hill

    • Net Worth: $500,000 - $800,000

     

    • Disciplined savings plan, defined and actively managed Investment Strategy.

     

    • Well established in career, but still more to accomplish.

    Climbing the Hill | Age 40 - 50

  • Peak Earning

    • Net Worth: $1mm to $4mm

     

    • Maximizing contribution to savings (401k, IRA, Taxable accounts)

     

    • Fully engaged in career, working long hours, paying off debt.

    Peak Earning Years | Age 50 - 60

  • Retired

    • Net Worth: $2mm to $6mm

     

    • No longer contributing to savings; drawing on investment portfolio for income.

     

    • Debt Free

     

    • Two residences, travelling, enjoying hobbies and family time.

    Retired | Age 60 - 80

  • Special Situations

    • Minor with inherited Trust or IRA

     

    • Trust established for grandchildren.

     

    • Custodial accounts

     

    • College savings accounts

    Special Situations | Any Age

INVESTMENT PROCESS

The investment management process is comprised of three inter-related pieces that are continually adjusted to meet changing life situations and market opportunities.

 

CLIENT ASSESSMENT

The process begins with a thorough assessment of the Client's current situation and life plans. This assessment is essential to understanding the purpose or objective of the savings in the context of a wealth plan. Factors considered are: short & long term goals; net worth; and current and retirement cash flow. Once defined, a specific investment plan is designed and then continuously managed to assure the client's financial goals are in line with the investment strategy.

MARKET ASSESSMENT

The investment strategy design is a rigorous and ongoing process at New Albany Investment Management. It begins with a weekly in depth market analysis of the economy, valuation, and technicals. Information is derived from many sources on global economics and market sectors and is used for determining market opportunities, assets class selection and portfolio design.

PORTFOLIO DESIGN

Each client will have a unique investment strategy according to their risk tolerance, and life goals.  Though most clients have multiple investment accounts (ie: brokerage, IRA and 401k)  all the accounts will be managed as one portfolio with one investment strategy. However, sometimes there is a portion of the portfolio set aside for immediate cash needs.  In this case there are actually two sub- strategies managed under a combined investment strategy.

Life Goals    |    Financial Health    |    Wealth Plan

Market Analysis | Risk Structure | Asset Class Selection

Client Specific  |  Investment Strategy  |  Continuous Review

HOW THE PROCESS WORKS

Assessing Risk Tolerance

Essential to every strategy is the understanding of potential risk or volatility of the portfolio value.  Volatility is measured in terms of standard deviation and relative to the broad market.   A less risky strategy is typically more income oriented and will usually have more exposure to bonds.  A growth strategy is generally more risky and has a greater weighting in stocks and alternative investments. Though each strategy is unique, it can be broadly categorized as an :  “Income Strategy”  “Income & Growth Strategy”  “Growth Strategy”.

Asset Classes and Sectors

Once the level of risk tolerance is determined the portfolio design begins. Each portfolio has a deliberate focus on risk management, combining non-correlating asset classes to achieve the best risk /return.  To do this, all financial assets are sectioned into five broad asset categories or risk buckets, with each having many sub-categories.

Portfolio Allocation

Every portfolio strategy is designed with a particular objective that is uniquely tailored to each client according to their specific life situation and goals. Some clients may have two distinct goals with different time horizons. For example, a retirement goal in 5yrs;  a charity for perpetuity, or a college fund for grandchildren in twenty years.  In these cases there are separate investment strategies with different asset allocation and risk structure. NAIM designs investment strategies according to the specific purpose and  time horizon, and risk tolerance.

MEET BARBARA HUFF

Barbara Huff

Founder & CEO

Barbara Huff, Founder and CEO, has 35 years of extensive experience in the financial markets where she has held numerous positions directly involved in trading, investment, and risk management across the global markets. Barbara has managed portfolios as large as $27 billion and in multiple asset sectors, including Stocks, Bonds, Currency, Futures, Options and Derivatives. Most recently, she was an Investment Strategist & Client Adviser at The Joseph Group Capital Management, (Columbus OH) and served as a senior member of the Investment Committee. Prior to this she was Senior Vice President and Director of Corporate Risk Management at the Banc One where she had primary responsibility for assessing interest rate and liquidity risk for the bank. Earlier in her career, she spent 10 years with J.P Morgan (NY), where she held positions as Trader, Portfolio Manager, and Treasurer of J.P Morgan Delaware bank. Barbara has a BS degree from Miami University in Finance and Economics.

 

Barbara has been married to her husband, Jim, for 34 years. Together, they have three children: Alex, Ben and Julia. She and her family reside in New Albany. Barbara is an active member and on the board of Five 14 Church, involved in YoungLife, serves in the  Licking County Jail Ministry, and was a member of The New Albany Chamber of Commerce.

"The foundation of New Albany Investment Management is based on these core values: Integrity, Honesty, Compassion and Faith."

The Market Insight report provides relevant perspective on what is driving the direction of the global markets. It could be changes in the fundamentals of macro economics, fiscal and monetary policy; or it could be more technically driven like valuation and supply/demand dynamics. But be sure, the market is always moving as investors are continually reassessing the next opportunity. The Market Insight report is written monthly and sent to all clients and other interested savers.

MARKET INSIGHT

FREQUENTLY ASKED QUESTIONS

GET IN TOUCH

Call New Albany Investment Management | 614-216-6139

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