MCAP - Managed Capital Accumulation Program

Shepard & Associates’ investment management services incorporate leading edge technology and research capabilities to deliver quality portfolio management for individual accounts, 401(k) plans, 403(b)(7) plans, IRAs, trusts, and non-profit organizations. Our mission is to create wealth by striving to generate returns in excess of inflation, while attempting to reduce risk. To help reach that goal, we allocate among stock, bond, and money market accounts.

The cornerstone of money management is that it is an investment process rather than an investment product. The process typically consists of five steps:

• Creating an “Investment Policy Statement” which includes identifying your investment objectives, determining your risk tolerances, identifying your tax and retirement considerations as well as clarifying your time horizons.


• Establish your investment parameters and then design your financial road map to achieve those objectives.


• Implement the portfolio design.


• Monitor your portfolio and make adjustments as market or personal matters dictate.


• Provide ongoing portfolio performance reporting to you.

At Shepard & Associates, we focus our attention on the overall composition of the portfolio rather than the traditional method of analyzing and evaluating the individual components. Our emphasis is on diversification through asset allocation. Diversification is generally thought of as putting investment dollars in a number of different investment vehicles, which historically move in opposite directions given a specific market condition. By utilizing this philosophy, we have designed model portfolios, which provide returns consistent with lower amounts of risk.

In addition to our four model portfolios, we have created a custom model design incorporating individual securities and/or specialty funds for those investors with specific needs.