Benjamin Lupu CFP ®

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In order to protect our clients from the many hazards of modern business affairs and financial markets, we are particularly discriminating as to the quality, transparency and liquidity of invested assets. For us, quality asset selection is paramount.

Kensington A.M.I. is a Fee Only Adviser, we do not work for commissions. Our financial management system is not just about what you own, it’s equally about what you avoid owning. Keeping clients safe from hyper-marketed junk investments is at the core of our methodology. Asset quality, purity, transparency, straightforwardness and professionalism are what we stand for. This is what we mean when we say our method is a form of “Addition by Subtraction“.

All client assets are held at Custodian Fidelity Institutional Wealth Services, a division of Fidelity Investments or qualified third party custodian as directed by client.

Investment Portfolios

All of our clients have separately managed accounts; we do not believe in pooled interests or non transparent holdings. Client assets are managed to maximize quality, liquidity and performance over time utilizing proprietary methodologies developed over more than 30 years of professional experience. Dividends, Income Compounding and Total Return are primary components of our client holdings.

Dividend Power

This is our premier portfolio system, which is derived from over 25 years of research and experience. Utilizing capital gains and cash dividend payments from blue chip quality equities, mutual funds and fixed income assets, Dividend Power endeavors to deliver strong current yield along with long term asset growth.

According to a study published by investment firm Morgan Stanley, dividends represented fully 41.8% of total equity returns going all the way back to 1930. In the 1970s, 71% of total returns were in the form of dividends as stock prices stalled for much of that decade. In the nifty-fifty bull market of the 1960s, 41% of total return was the result of dividends according to Morgan Stanley. [1] So if you think dividends are for just for pensions or little old ladies, you’re missing a lot of what stocks have to offer.

The Dividend Power Investment System:

Dividend Power takes the form of a customized financial asset portfolio that emphasizes the ownership of highest quality blue chip securities that pay dividend cash flows.

But choosing the best quality stocks and mutual funds is only part of the methodology; Dividend Power owns stocks and funds than can increase dividend payments over time. Dividend Power can compound returns by reinvesting dividends into the stocks and funds that pay them, but can also take cash from dividends to buy high quality growth category assets which can increase total returns substantially over time.

In addition, Dividend Power Portfolio positions are selected for growth possibility as well as income. The two dynamics combined can result in a Total Return that can rival many growth strategies*

For more information on Dividend Power, contact Kensington A.M.I. for a full disclosure.

Financial Planning for a More Comprehensive Approach

Customized Financial Plans are available for clients who need a more broad based and comprehensive approach to financial advisory which may comprise all aspects of a client’s financial requirements, including insurance, retirement, education funding, estate planning and charitable objectives.

A Comprehensive Financial Plan may be the wisest way to plot the best course for your financial future. Please contact Kensington AMI for a free Financial Planning consultation