The Hamlin Fine Group

Welcome

The Hamlin Fine Group has over 90 years of combined experience helping to manage the financial affairs of prosperous families. Our group is experienced in addressing the sophisticated complexities that often accompany great accomplishment.

Seasoned advisory guidance

By taking a holistic approach, we deliver comprehensive wealth management strategies that can add value across the entirety of your balance sheet. An emphasis on the many aspects of your financial life enables us to serve as your advocate and help secure a legacy for generations to come.

We will also serve as a dedicated liaison and contact to the local, regional and global capabilities of J.P. Morgan, one of the world's oldest, largest and best known financial institutions. With more than 200 years serving high-net-worth individuals and families, clients see J.P. Morgan as a source of strength, stability and comfort.

A second opinion

Many of the individuals and families that come to us are seeking a second opinion on their current wealth management strategy. Their concerns are typically driven by a suspicion of under-performance, lack of communication, lack of transparency in their investment strategy, high costs, and/or lack of thoroughness in regards to handling all their financial affairs. We approach each new engagement with a time tested, collaborative process. Our first meeting will be a discovery meeting where we will focus on gaining a clear, in-depth understanding of your current portfolio as well as your future goals. After that meeting, our team will go to work. We will conduct and prepare a comprehensive analysis of your current situation. You will then be invited back for a second meeting, where you will receive an in-depth report which will include a financial plan and a complete investment analysis. Importantly, we will illustrate any gaps that are looming in your current planning.

We truly want this to be a helpful, no-obligation second opinion. We therefore welcome you to share our findings with any of your current advisors. In the event that you would like to have our team assist you with filling these gaps, we would welcome you to continue through our full client experience.

Investment Approach

Our portfolios

We manage flexible, taxable and tax-aware portfolios that combine active, passive and hybrid strategies to create durable, efficient, diversified and cost-conscious portfolios.

Equities—Our investment philosophy for equities is clear, concise, and efficient. We leverage the vast resources of J.P. Morgan to select large, quality, blue chip companies with attractive growth fundamentals. J.P. Morgan Research has been ranked #1 by Institutional Investor 10 out of the last 11 years.¹ We would argue that superior research increases the potential for superior returns. For equity portfolios, we typically allocate 80% of the portfolio to 50 large, quality, blue chip companies with the remaining 20% allocated to mid, small, international and emerging market equities. Our philosophy for equities is driven by our desire to own "quality" investments. Our team focuses on selecting companies with identifiable and sustainable competitive advantages which consistently generate free cash flow, trade at rational valuations, and have strong management teams and improving fundamentals that drive long-term shareholder value.

Bonds—Our investment philosophy for bonds is again clear, concise, and efficient. We use the vast resources of J.P. Morgan to select a ladder of either high quality municipal or corporate bonds with individual maturities rather than bond funds. A bond ladder is a portfolio of individual bonds that mature on different dates.

Value-added benefits

This strategy is designed to provide cash flow while minimizing exposure to interest rate fluctuations.

The advantages are:

• Diversification of assets
• Better control over exposure to interest rate risk
• Predictability and certainty to your cash flow
• Principal is re-invested from shorter-term bonds with lower yields into longer-term bonds with higher yields

High quality bonds tend to protect investors during times of market stress, providing a diversification and hedge benefit with little to no correlation to stocks. Additionally, bonds offer a hedge to investors against making poor, emotionally charged decisions that adversely affect long-term returns.

We understand that investors may not have the emotional fortitude to have their entire portfolio in the equity market. It is unproductive, in our view, to implement an overly aggressive portfolio strategy if it's going to be difficult and challenging for an investor to stay the course. Bonds are an excellent tool for providing stability in the event of a market sell-off.