Claude Carr Cody

Provides investment advice

Provides life insurance services

Crossmark provides asset allocation, investment advice, and discretionary investment management services that cover equity securities, options on equity securities, corporate debt instruments, government and agency securities, municipal securities, mutual funds, and exchange traded funds (ETFs). The specific investment style chosen for each individual client is based upon the goals, objectives and individual needs of the client.

Roger H. Jenswold & Co.'s (RJC) investment style incorporates both growth and value philosophies. The resulting blend, GARP, seeks to limit the risks of growth stocks by keeping price at the forefront of all investment decisions. They select stocks using a bottom-up, fundamental approach. The companies selected have positive business outlooks, improving cash flow returns on internal investment, improving Wall Street analysts' estimates of future earnings, attractive reinvestment opportunities in their respective business and reasonable current stock price valuations. They do not attempt to time the market. The firm's balanced asset mix is determined by each client's specific needs and objectives. In particular, a client's cash-flow demands and his tolerance for market value volatility determine the relative weighting of equities and fixed-income in a balanced portfolio. The allocation among the various classes of securities may shift as one asset class outperforms the others. The portfolio manager may opt to accept this new market value revision in asset allocation as long as the resulting market-driven asset mix is still consistent with the client's longer-term goals and, therefore, does not jeopardize the likelihood of attaining those goals. Once the asset allocation guidelines are determined, the specific stocks are selected from the firm's buy list. The fixed investment portion is typically structured to moderate volatility for more risk-averse client objectives or as a means to immunize clients from specific future cash liabilities. To immunize cash flow liabilities, the firm matches bond maturity dates and par amounts with the timing and amounts of future cash flow obligations anticipated by the client. The remaining fixed-income funds are invested in bonds having an ascending series of maturity dates. RJC avoids the lure of predicting oscillations within interest rate markets. Additionally, the firm examines the operational and financial results of the issuing company to ascertain its ability to meet its future debt servicing obligations before buying for the client.

Functions as a College/University

Functions as a College/University

Provides investment advice

Provides investment advice