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Frequently Asked Questions
Questions You May Be Asking Yourself
If your portfolio closely tracks market movements, both in good markets and bad, you're likely invested in a traditional, fixed allocation strategy - the industry's standard 'buy, hold, and rebalance' approach. This method:
• Maintains the same asset mix regardless of market conditions
• Relies heavily on traditional diversification
• Assumes markets will eventually recover
• Expects you to ride out the volatility
This is why many investors find themselves fully participating in market declines, hoping to participate in the recovery. However, there's an alternative approach. Canterbury's Adaptive Portfolio Strategy is specifically designed to:
• Adjust holdings based on changing market conditions
• Manage risk through sophisticated portfolio techniques
• Reduce portfolio volatility when markets become volatile
• Maintain growth potential while focusing on protection
The goal isn't to track the market - it's to maintain consistent, stable portfolio characteristics regardless of the market environment.
Portfolio management should go far beyond traditional 'buy, hold, and rebalance' strategies. At Canterbury, you should expect:
Daily Portfolio Oversight:
• Continuous monitoring of market conditions and portfolio holdings
• Systematic risk management and volatility control
• Proactive adjustments based on changing market environments
• Regular portfolio updates and clear communication
A Different Approach:
• Dynamic allocation changes rather than fixed percentages
• Risk management based on real market conditions, not questionnaires
• Portfolio decisions driven by objective market evidence, not predictions
• Use of sophisticated tools to help protect against market declines
Transparent Communication:
• Direct access to portfolio managers
• Regular updates on portfolio adjustments and strategy
• Clear explanation of our decision-making process
• Thorough education on our portfolio metrics and benchmarks
Yes - choosing a fiduciary advisor is important, but working with a competent fiduciary is essential.
A fiduciary advisor is legally required to put your interests first and provide transparent, conflict free investment advice. However, fiduciary status alone doesn’t ensure investment success. It’s critical to work with an advisor who combines fiduciary responsibility with proven investment expertise.
As an SEC Registered Investment Advisor, Canterbury maintains strict fiduciary standards while implementing our sophisticated Adaptive Portfolio Strategy. This combination ensures you receive not just ethical oversight, but competent, professional portfolio management designed to protect and grow your wealth.
A successful investment relationship requires engagement from both advisor and client. Your role includes:
Understanding Your Strategy:
• Participating in our educational process to understand our adaptive approach
• Learning how we measure portfolio success beyond traditional benchmarks
• Asking questions when you need clarity about portfolio decisions
• Staying informed through our regular communications
Maintaining Open Communication:
• Keeping us updated about significant life changes or financial events
• Sharing your questions or concerns about markets or portfolio performance
Our Commitment to Keeping You Informed: As your investment manager, Canterbury provides comprehensive resources to keep you educated and informed:
• Bi-weekly market commentary
• Regular investment podcast episodes
• Timely video updates on market dynamics
• Clear explanations of portfolio positioning and strategy
This combination of client engagement and our ongoing communication ensures you stay ahead of the curve and fully understand how your portfolio is adapting to changing market conditions.
About Canterbury
Founded in 2003, Canterbury Investment Management has spent over two decades serving clients from our downtown Zionsville location. Although we are local, we have developed a national reputation, training financial advisors across the country on the principles of adaptive portfolio management and practice strategy.
As an independent, locally owned firm, Canterbury maintains complete objectivity in serving our clients' interests. While based in Zionsville, we extend our investment expertise nationally through direct client relationships and strategic partnerships with select advisory firms.
Canterbury Investment Management serves successful individuals and families who have accumulated significant wealth through their careers and businesses. Our typical clients are retirees and pre-retirees focusing on growing and preserving their wealth, business owners and executives who need a process for their liquid investments, and investment professionals seeking sophisticated portfolio solutions.
Canterbury deliberately maintains a select client base to ensure exceptional service and attention for each relationship. Our boutique approach allows us to provide highly personalized attention to each client, ensure responsive communication, and deliver thorough educational resources.
Before beginning any new relationship, we conduct a thoughtful discovery process to understand your unique needs, educate you on our investment philosophy, and evaluate mutual fit and alignment.
Our minimum portfolio size is $750,000, with our comprehensive portfolio strategy optimized for portfolios of $2,000,000 or greater. We welcome a conversation to discuss your specific needs.
We operate on a transparent, tiered fee structure based on assets under management, starting at 1.50% annually. This comprehensive fee includes all our services, including investment management and financial planning, with no additional charges.
For Assets under $1,000,000:
o First $500,000- 1.50%
o Next $500,000- 1.25%
For Assets over $1,000,000:
o First $2,000,000- 1.00%
o Next $3,000,000- 0.80%
o Over $5,000,000- 0.60%
Canterbury’s investment team brings together over 70 years of combined market experience. Our expertise is demonstrated through frequent publication of market perspectives on national media outlets, guest lectures at highly recognized local universities, two books authored by Tom Hardin, the publication of a comprehensive White Paper and extensive experience serving a diverse group of clients.
Every member of our executive team is a Chartered Market Technician (CMT). The CMT designation is the gold standard for technical market analysis. For detailed background on our team members' individual accomplishments and expertise, we invite you to view our team biographies.
Yes, Canterbury provides comprehensive financial planning through our proprietary Wealth Management Benchmark (WMB) process. Our innovative approach:
Takes just one hour of your time
• Requires no upfront paperwork or document gathering
• Systematically evaluates every aspect of your financial life
• Prioritizes planning areas based on importance and urgency
• Creates a clear roadmap for addressing your key financial objectives
The WMB process is designed to be both thorough and efficient, giving you a complete picture of your financial health without the typical stress and complexity of traditional planning methods.
Our Investment Philosophy
Canterbury's Adaptive Portfolio Strategy represents a fundamental shift from traditional investment management:
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This adaptive methodology helps protect and grow your wealth across different market environments, rather than hoping a fixed strategy will work in all conditions.
We use our own, proprietary security selection and portfolio management dashboard to help make decisions. Each member of our leadership team is a Chartered Market Technician (CMT), which is the gold standard for technical market analysis.
With recent innovations, Canterbury incorporates Artificial Intelligence to assist security screening and portfolio testing. This helps us ensure that our adaptive portfolios meet their required internal benchmarks.
Canterbury's investment universe focuses on highly liquid, transparent securities:
• Individual stocks of established companies
• Exchange-Traded Funds (ETFs) providing exposure to: Market sectors and industries, Geographic regions, Fixed income securities, Currencies, Commodities, Inverse or risk management securities.
We deliberately avoid complex products like annuities or limited partnerships that often come with high fees, limited liquidity, and lack of transparency.
Canterbury protects portfolios through continuous monitoring of market conditions and systematic risk management. Rather than passively riding out market declines, we actively adjust allocations and use specialized securities to reduce volatility when markets become volatile.
Our proactive approach:
• Continuously monitors portfolio holdings' technical characteristics
• Utilizes daily analysis of security correlations and market risks
• Systematically adapts allocations based on market conditions
• Strategically uses inverse securities to reduce portfolio volatility
• Maintains long-term market exposure while controlling risk
Canterbury uses sophisticated, proprietary metrics to monitor portfolio health and risk levels. Rather than comparing performance to static market indexes, we focus on maintaining optimal portfolio characteristics through our internal benchmarking system. We thoroughly educate clients on these metrics and their importance.
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