Company History - Brian R. Carruthers & Associates

Certified Financial Planners | Investment Advisors | Retirement Planning Specialists

BCA is registered with the Securities and Exchange Commission as a registered investment advisor. President, Brian R. Carruthers, is deeply committed to providing professional, confidential and personalized service for clientele with financial portfolios of $250,000 or more. Currently, BCA manages in excess of $60 million.

Brian's desire to help clients reach their investment goals in a safe and prudent manner led to the creation of his own investment advisory firm in 1990. Brian R. Carruthers & Associates (BCA) helps clients meet their financial objectives by using innovative investment strategies, which earn the highest returns with the least amount of risk (active money management). Brian structured BCA as an independent fee only investment management firm, which uses no load mutual funds exclusively.

Investment Portfolios Offered

BCA places the client first by offering prudent and innovative investment strategies for high net worth individuals, trusts and retirement plans. Below are the three professionally managed portfolios offered.

Managed Income Portfolio

This is our most conservative portfolio. It is designed for investors where income and safety is of paramount importance. It invests 100% exclusively in bond funds, such as treasury, government, corporate, high yield, and international bond funds. Money market funds may also be utilized.

The Managed Income Portfolio is ideal for risk averse investors, where income and preservation of principal are their primary objectives (mostly retired investors).

Income & Growth Portfolio

This portfolio is designed for investors who desire income and some modest growth. This investment portfolio allocates between both bond and stock mutual funds.

The Income & Growth Portfolio assets are typically allocated as follows: 60 - 70% of assets are allocated into bond funds, with the remaining 30 - 40% invested in stock funds. This is a balanced portfolio for clients, who want income, and some growth potential.

Momentum Portfolio

A tactical asset allocation growth portfolio, which invests in high momentum mutual funds (market leaders). The basic premise is "There is a bull market going on somewhere in the world."

The Momentum Portfolio attempts to identify, and then deploy capital into fund categories showing positive price momentum. This is a sophisticated growth portfolio for clients who want generous growth while keeping market risks moderate to low (mostly pre-retirees).

Account Information

BCA provides quarterly portfolio market reports, and client portfolio balance statements (sent directly from BCA to the client). Also, monthly statements are sent directly to you from the your account's custodian. In addition, you have 24/7 account access through your custodian's web site.

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Brian R. Carruthers & Associates

BCA | A Fee-Only Registered Investment Advisory Firm Since 1990

301 Forest Avenue · Laguna Beach, California 92651-2115 USA
Telephone: 1-949-464-1900 · Facsimile: 1-949-464-1400 · Contact

CFP^®, Certified Financial Planner™ and are certification marks owned by the Certified Financial Planner Board of Standards, Inc. These marks are awarded to individuals who successfully complete the CFP Board's initial and ongoing certification requirements.

CMT^SM and Chartered Market Technician^SM designations are awarded and permitted to use by full members of the MTA. The CMT Program is administered by the Accreditation Committee of the Market Technicians Association (MTA).

The National Association of Active Investment Managers is a professional organization of registered investment advisors who believe in active management of client assets to reduce the risk of down markets and to structure client portfolios to produce high risk adjusted returns.

This page last modified: 2010-05-17T12:25:33-0700