Susan H. Brown

Plus aucun poste en cours

Finance

Profil

Before joining Back Bay Financial Group, Inc., Ms. Brown worked for Family Financial Architects, Inc., a fee-only financial planning and investment firm in Natick, Mass., where her responsibilities included comprehensive financial planning, marketing and investment research.
Prior to her career as a financial advisor, Ms. Brown spent 20 years working in institutional finance.
As vice president of State Street Research & Management Company in Boston, Mass., she essentially acted as a fixed income analyst, and later as an associate portfolio manager.
Ms. Brown earned a Bachelor of Arts degree in Political Science and graduated magna cum laude and Phi Beta Kappa from Mount Holyoke College.
She also holds a master’s degree in Business Administration with a concentration in finance and accounting from the Anderson School of Management at the University of California at Los Angeles.
An active member or the financial planning community, Ms. Brown is a member of the National Association of Personal Financial Advisors, the Financial Planning Association and the Boston Security Analysts Society.
She has also contributed to the Boston Globe’s “Money Makeover” series.
Ms. Brown currently resides in Walpole, Mass.
with her husband, two sons and dog.
She enjoys gardening and volunteer work.

Anciens postes connus de Susan H. Brown

Sociétés	Poste	Fin
Back Bay Financial Group, Inc. Back Bay Financial Group, Inc. Investment ManagersFinance Back Bay places a long-term focus on diversity, cost consciousness and tax efficiency. Portfolios include several types of investments, including low cost index funds and ETFs, quantitatively passive funds and actively managed funds selected for their consistent style, performance record and low expenses. Back Bay invests in a range of asset classes with growth and value style characteristics. Allocations to each asset class are determined by the anticipated long-term return, correlation to other asset classes and anticipated volatility. Portfolios include an allocation of fixed-income securities that depend on the risk tolerance of the client. Alternative investments such as domestic and international REITs and absolute return funds provide further diversification that attempts to lower volatility without sacrificing returns. There are no direct investments in limited partnerships or private equity. Exposure to alternative asset classes is achieved by investing in mutual funds selected for their liquidity, marketability and transparency. Portfolios are exposed to a wide variety of asset classes with institutional shares of mutual funds that have lower expenses than equivalent retail funds. Tax efficiency is achieved by maintaining long-term focus and avoiding frequent buying and selling. Back Bay minimizes capital gains taxes by using techniques such as locating tax-inefficient funds in tax-deferred accounts, investing in municipal bonds and utilizing tax-managed funds. The firm offers access to Dimensional Fund Advisors, Inc., an institutional money manager that offers low-cost mutual funds with a unique passive-management strategy. The DFA philosophy is based on the belief that markets are efficient and that passive investing is the surest way to achieve higher after-tax, after-cost returns. DFA does not tie funds to commercial market indices. Instead, they construct funds using quantitative measures associated with sound academic theory. Their flexibility enables them to lower costs by engaging in fewer transactions than most index funds. This strategy is beneficial in the small-cap market, where low liquidity complicates indexing and DFA's presence helps them bargain for better prices. Back Bay provides services to individuals, foundations and endowments.	Analyst-Equity	31/12/2009

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