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Investment Services and Products
Financial Planning
Traditional Brokerage
- Stocks & Bonds
- Fixed Income Products
- Options
- CDs
- Initial Public Offerings
Asset Management
Oak Tree, a subsidiary of Chapin Davis
Directed Trust Services
Financial Products
Portfolio Management
Providing investment advisory services to individuals, families, institutions and retirement plans, Oak Tree Portfolio Management assists its clients in the accumulation of capital through a disciplined value approach.
Oak Tree defines an investor's objectives in terms of risk and reward, quantifying the amount of risk taken in equities, using a conservative laddered approach to bond management and marking constraints in terms such parameters as time horizons, liquidity needs and legal issues.
"Since we don't produce and sell products, we are able to do what s best for the client. It's a matter of serving versus using." H. Chase Davis, Jr.
Directed Trust Services
Ever-changing regulations, taxes, economic climates and other forces can diminish the value of your family's wealth. With appropriate planning you can preserve your wealth to provide for the needs of your family, control the distribution of your assets and accomplish a wide range of specific goals. In partnership with the largest and oldest trust banks in the country, Chapin Davis is able to offer world-class trust solutions.
Financial Products
Fixed Income Investments
Chapin Davis offers a full line of fixed income solutions including AAA rated government, government agency and municipal bonds. FDIC insured Certificates of Deposit, corporate bonds and preferred stocks are also available through our fixed income desk. The in-house fixed income specialists at Chapin Davis strive to maximize your returns while minimize taxes. Where appropriate we utilize no-call, step-up, survivor option and discount provisions.
Mutual Funds
Chapin Davis has partnered with some of the oldest and most respected mutual fund families in the industry. In order to offer a variety of mutual funds to meet your investment objectives and ensure that those funds meet the Chapin Davis standard of excellence, the professionals at Chapin Davis continually evaluate the over 6,000 mutual funds available in today's marketplace.
Retirement Plans
No matter the size of your retirement plan, Chapin Davis can offer an effective retirement solution. Through research, performance, streamlined communication, cost effective service, back office efficiency and education on how a plan works, Chapin Davis will be a true partner in your plan. Whether you select an IRA, SEP IRA, SIMPLE IRA, ROTH IRA, 401(k), ROTH 401(k), 403(b), a self-trusted pension plan or one of our prototype pension plans, you will receive the added value for which Chapin Davis is known.
Money Market Funds
Chapin Davis offers several cash management solutions. Our taxable money market accounts have competitive yields, optional asset management services, such as checking and debit cards, as well as up to $1,000,000 in FDIC insurance*. Our national tax-free fund invests in securities exempt from federal taxation and we have five state specific funds that provide investment options that are exempt from both federal and state income taxes for residents of the issuing state.
*$1,000,000 in FDIC insurance is only available with the Reserve Money Market Selection.
OAK TREE
Providing investment advisory services to individuals, families, institutions and retirement plans since 1992 as a subsidiary of Chapin Davis, Oak Tree Portfolio Management assists its clients in the accumulation of capital through a disciplined value approach.
Portfolio Management
Oak Tree defines an investor's objectives in terms of risk and reward. The professionals at Oak Tree quantify the amount of risk taken in equities, using a conservative laddered approach to bond management and marking constraints in terms of parameters such as time horizons, liquidity needs, legal issues, and special situations (e.g. education, bequests, helping family members or anything from buying a new car to replacing a roof).
Each portfolio is monitored along with market conditions. AIMR complaint performance results are reported quarterly and compared against an appropriate benchmark index. The investment objective requires a disciplined, consistent approach to managing assets.
Investment Philosophy
Value investing is Oak Tree's philosophical approach to asset management and is an inherently conservative way to build assets over time. Through a disciplined approach of buying undervalued and out of favor stocks, value investing has produced greater returns over the past 70 years than growth stock investing, and with less risk. Our managers see opportunity when market expectations are low for a company whose earnings have faltered, particularly when it has occurred for a longer period of time. Being patient and not buying overvalued stocks of good companies but rather waiting until the stocks decline takes a disciplined approach to investing.
Equity Selection Process
Oak Tree pursues a fundamental, value-oriented approach to security selection, an approach that would generally not involve the use of current Wall Street "favorites." Some characteristics of undervalued, out-of-favor equities are low financial ratios such as: price/earnings, price/book value, price/sales, price/cash flow ratio and a higher than average dividend yield.
Using these parameters along with other value characteristics, potential stocks are further researched and evaluated from a risk/reward basis. When stocks are acquired, our managers establish a future price target and a near term downside price, thus defining a risk-reward ratio. As a stock reaches 75% of its price target, it is re-evaluated and might be sold. Stocks that are nearing or exceeding their price target become a source of funds for new investments. Oak Tree emphasizes performance over a full market cycle due to the inherent uncertainty in investing and generally holds stocks two to five years.
It is clear that intensive research is the key to Oak Tree's success. Our goal is to earn better returns than the overall market as measured by the S&P 500 while minimizing the risk taken.
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