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Our Approach

We take a long-term disciplined investment approach that fits your needs to help you achieve your financial goals.

Our Approach

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Crescent Sterling Ltd. takes a long-term, conservative, and disciplined investment approach. After the establishment of your goals and objectives, we construct a portfolio that fits your income needs, risk tolerance, and time horizon. 


We invest in individual stocks, corporate or municipal bonds, U.S. Treasury instruments, or funds based on individual client needs.

Asset Allocation

Asset Allocation is the cornerstone of risk management and a key component in preserving wealth. Primary goals are set between equity and fixed income objectives based on your cash withdrawal requirement, time horizon, and risk tolerance. Over time, securities are purchased to fulfill the target allocation and rebalanced over time as needed.

Our Equity Approach

Our equity investment approach is based on a "bottom-up" stock selection procedure. This selection process relies on our in-house valuation techniques, which considers factors such as earnings growth rates, corporate indebtedness, return on equity, market sentiment, and other indicators. Our investment principles follow two key elements:

  • Equity and Sector Analysis, utilizing earnings growth and fundamental valuation analysis

  • Emphasis on preservation of capital through the use of selling disciplines when stock have reached fair or excessive valuation levels, or have become over weighted in a portfolio.

Our Fixed Income Approach

Our primary objective for fixed income in a portfolio is to have stable positive returns. The intended goal is to capture 80-90% of long-term bond yields while minimizing the risk of loss of capital during periods of rising interest rates. This is done by structuring portfolios based on existing and anticipated yield curves. We adhere to the following principles when investing in fixed income securities:

  • Reduction of credit risk by investing in U.S. Government obligations, investment grade corporate, and tax-free municipal bonds.

  • Limiting the duration of bond holdings in portfolios to 15 years or less.

  • Utilization of several bond dealers to make informed purchases.

  • Review and monitor the credit ratings of underlying bond issuers.

  • Normally holding bond positions until maturity in order to lock in yields; unless there is an adverse change in credit quality or if we can improve returns elsewhere.

For an initial consultation of your financial situation

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