Tony John Albrecht

Bremer Trust's investment philosophy is based on the belief that asset allocation decisions have the greatest impact on long-term portfolio performance. Properly matching clients’ goals and objectives with an appropriate asset allocation program is their primary concern. They believe changes in asset allocation should be driven primarily by changes in the clients’ financial situation, with secondary consideration given to changing market and economic conditions. Bremer Trust diversifies investments across a broad range of asset classes in order to minimize risk and enhance returns. Their open architecture approach allows them to provide clients with access to a selected group of world class external investment managers. The firm is not bound to their own proprietary products. They are flexible in designing client portfolios. Solutions may include a separately managed account of individual equities and/or fixed income securities, stock and bond mutual funds, or a combination of both. Bremer Trust strives to optimize after-tax returns whenever possible.

Windsor Financial Group manages the inherent risk in the financial markets through asset allocation. The firm's approach incorporates traditional asset classes, such as domestic and international equities, taxable and non-taxable fixed income investments, as well as non-traditional classes such as commodities, precious metals, real estate and, where appropriate, private equity hedge funds and other alternative assets. The firm employs a value-oriented investment approach to select both individual investments, as well as outside managers. Windsor Financial Group focuses on a multi-cap equity strategy with a regional and dividend bias. Their fixed income strategy is centered around credit research as well as effective yield curve management. Windsor’s investment specialists perform initial due diligence on outside managers in the areas of international equities, fixed income, commodities, real estate, precious metals, hedge funds and other alternative assets. Prospective managers are evaluated on several quantitative as well as qualitative characteristics.

Functions as a College/University

ACG follows the principles of Modern Portfolio Theory and aims to build portfolios along an efficient frontier and then discuss the pros and cons of taking on more, or less, risk along that arc with each client. Throughout their investment management practice, credit analysis is also a significant focus. The firm’s investment decisions are principally driven by each client's unique financial objectives and tolerance for risk.