What We Do

Investment Approach

We invest client assets as if they were our own.

Our Approach

Investment Philosophy

Maple Capital believes the key to effectively managing client assets is to first gain a thorough understanding of the client’s goals and objectives. Once this framework has been established, we construct a portfolio designed to meet these goals while also minimizing risk.

As analysts, we embrace the challenge of finding high quality businesses to own for years to come.

Hilary Roper | Equity Analyst – Partner

Optimizing your investments within constraints

Risk Management

Reducing risk through diversification, security selection, and position size with a practical and proven approach. Maple Capital views relationships holistically, so our risk/reward analysis of equity and fixed income securities is applied diligently across accounts.

Designed to meet your specific needs

Portfolio Construction

Maple Capital believes the key to effectively managing client assets is to first gain a thorough understanding of the client’s goals and objectives. Once this framework has been established, we construct a portfolio designed to meet these goals while also minimizing risk.

Determine Client’s Risk Profile and Set Asset Allocation

Setting Your Asset Allocation

We work with you to determine your asset allocation in consideration of your unique risk profile – cash flow needs, tax constraints, time horizon, etc.

Client portfolios range from 100% fixed income to 100% equities, but a typical portfolio utilizes a balanced approach.

100% Equities 100% Fixed Income
More Aggressive More Conservative
50 Equity 50 Fixed Income
Example Portfolio:

Equity Approach

We believe the key to superior investment returns is to invest in high quality companies with sustainable competitive advantages, proven management teams, attractive returns on invested capital, strong free cash flows and lower-risk balance sheets that offer financial flexibility. Can be combined with other asset classes to form a Balanced Strategy.

Strategies

Core Equity — seeks to create portfolios for clients with ownership in a diversified set of businesses with durable competitive advantages and long-term prospects in various sectors and industries.

ESG — utilizes an Environmental, Social, Governance-based inclusion and exclusion overlay, with high quality financial returns the key determinant of security selection. Can be combined with other asset classes to form a Balanced Strategy.

Dividend Growth — invests in high quality companies with an emphasis on securities that offer both current yield and future dividend growth prospects. Can be combined with other asset classes to form a Balanced Strategy.

Fixed Income Approach

We build portfolios of individual bonds that are designed for resilience through the economic cycle, where quality is not defined solely by ratings. Our process encompasses active management, sector diversification, and relative value to ensure a more stable and predictable income profile. Can be combined with other asset classes to form a Balanced Strategy.

Strategies

Taxable —  utilizes taxable bonds from all sectors of the investment grade bond market – government, corporate, securitized, taxable municipal – with a focus on stable, predictable income. The typical duration range of the securities is one to ten years.

Tax-Exempt — utilizes tax-exempt bonds rated investment grade with a focus on optimizing after-tax yields for predictable income exempt from federal taxation.

Cash Management —  utilizes short term, investment grade bonds designed for liquidity and preservation of capital. The typical duration range of the securities is less than two years.

External Managed Strategies

Additional Portfolio Diversification

To achieve further portfolio diversification beyond Maple Capital’s individual security selection process, we select additional investment vehicles designed to complement our own strategies.

Small-cap Equities
International Equities

Disclaimer: The portfolios shown above are shown solely for illustrative purposes and are only examples of the range of what portfolio allocations could look like under certain circumstances. These portfolios should not be considered financial advice. Actual client portfolios will vary. Investing in securities involves risk, and there is always the potential of losing money when you invest in securities. For more details, see our Form CRS, Form ADV Part II, and other disclosures. Past performance does not guarantee future results.

Interested? Let’s talk.

Let us build a tailored solution to meet your investment needs.

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