Planning to Help You
Live Your Best Life
What We Do
No more relying on multiple professionals; our integrated approach coordinates all the services you need to boost your lifestyle,
manage your hard-earned money, and plan for your family's current and future needs. Remember you don't have to settle for less.
Live your Best Life!
Asset
Management
Invest For Your Lifestyle, Retirement & Legacy
We believe that your investment strategy should be as unique as you are. Gone are the days of stereotyping investors with subjective semantics based on their age. At Centric, we act in your best interest and prove it quantitatively. Using a combination of the latest technology and our team of investment professionals, we continually evaluate and monitor your portfolio to ensure it’s aligned with you.
AlphaTiltTM Strategies
A proprietary portfolio series based on scientifically tested fundamental factors. Focused on long-term fundamentals and proper diversification, AlphaTilt™ employs tactical tilting to correspond to the prevailing business cycle and enhance risk-adjusted returns. AlphaTilt™ offers the potential benefits of both traditional active and passive investment management.
Active
Outperformance Potential, Higher Cost, Black Box, Subjective (Human Emotion), Capacity Constrained
Passive
Market Performance, Lower Cost, Transparent, Objective (Indexing, No Rebalancing
Strategic
Based on the investors return objectives and risk constraints.
Strategic
Asset Allocation is shifted.
Tactical
Based on fundamentals; business cycle, corporate profits, etc.
Tactical
Asset Allocation is maintained; individual securities are shifted.
Value
Companies discounted relative to their fundamentals
Momentum
Companies with upward price trends
Low Volatility
Stable, lower risk companies
Size
Smaller, high growth companies
Dividend
Companies with above average dividend yields
Quality
Financially healthy companies
Other
Other
Harry Markowitz, 1990
Portfolio Selection: Efficient Diversification of Investments
William Sharpe, 1990
Sharpe-Lintner CAPM
Robert Merton, 1997
Intertemporal CAPM
Eugene Fama, 2013
Risk, Return, and Equilibrium: Emperical Tests, The Cross-Section of Expected Stock Returns, Profitability, Investment, and Average Returns, and Dissecting Anomalies
Robert Shiller, 2013
Stock Prices, Earnings and Expected Dividends
Lars Peter Hansen, 2013
Large Sample Properties of Generalized Methods of Moments Estimators
Economic Rationale
Based on strong economic intuition and academic evidence
Diversification
Low correlation with other factors
Value Creation
Empirical evidence of positive returns
Efficient Implementation
Able to be implemented in transparent, repeatable manner
AlphaTiltTM Portfolios
Private Investments
Sponsored by Centric Capital: A proprietary portfolio series based on scientifically tested fundamental factors. Focused on long-term fundamentals and proper diversification, AlphaTilt™ employs tactical tilting to correspond to the prevailing business cycle and enhance risk-adjusted returns. AlphaTilt™ offers the potential benefits of both traditional active and passive investment management.
Other
Foundation
Centric’s Foundation series, which consists of Voyager and Titan, are well built, dynamic portfolios that match your unique risk number. Foundations seek total return while diversifying risk exposures of various asset classes over the long-term.
Satellite
We’ve built purposeful, effective, and unique satellite portfolio strategies to complement Centric's core portfolio strategies.
Explorer
CENTRIC’S PHILOSOPHY
Core & Satellite
Time-tested investment portfolio design consisting of AlphaTilt™ portfolios as the core investment and specialty portfolios, that may have a more focused theme to complement the core, known as satellites. Used by Centric to enhance returns while increasing diversification, Core & Satellite is simple yet effective.
Financial Life
Management
Plan Wisely, Experience Life Fully
The best way to understand where you are now and where you’ll be in the future is to develop a personalized financial life plan. The process begins by understanding who you are and what matters most in your life. We’ll begin with a detailed discovery discussion to help us tailor recommendations to your situation. We’ll examine where you are now, where you’d like to be, and what financial milestones you hope you achieve along the way.
Risk
Management
Managing Risk to Keep Your Financial Life on Track
A plan that is only successful if “everything goes right” is like a car without breaks. Our experts know that a plan is not sound without precautions taken, so we integrate strategies to minimize the financial damage of life’s uncertainties and unwelcomed events.
Unemployment Risk
Illness
Risk
Premature
Death
Tax
Risk
Market
Risk
Inflation
Risk
Government
Risk
Longevity
Risk
Premium Finance
For the people in the right situation, this long term wealth building strategy takes advantage of low interest rate loans from a bank to purchase cash building life insurance policies.
Defined Benefit Plan
Be Your Own Banker
How We Do It
Advisory Team
Our experienced advisors will guide you through all the important financial decisions to help accomplish each goal and work with you over time to update the plan as your family, career, and life evolves.
Specialists
Our experienced advisors will guide you through all the important financial decisions to help accomplish each goal and work with you over time to update the plan as your family, career, and life evolves.
Back Office
Our experienced advisors will guide you through all the important financial decisions to help accomplish each goal and work with you over time to update the plan as your family, career, and life evolves.
Advisory Team
Specialists
Back Office
Testimonials
When you become a part of the Centric family, the relationship centers around you. Here's what clients say about us.
Ricky Amell
I trusted William Giffen and Centric Wealth with my 401k and Stocks after I left my full time job to purse my own business. They were extremely hands on. They sat with me to explain what my options were based on my age. What I really liked is they gave me goals to build security in my financial future. They set a realistic expectation and gave me comfort know my money was in good hands.
Chad N.
Zac and team over at Centric are the best! Their depth of knowledge on the market and making strategic investments in unmatched. I recommend them to anyone looking for a financial advisor, wealth management and more. I’ve been with them since the beginning and will be with them when I retire early and beyond!
Gary Andrews
I have had multiple dealings with Zac Majors. He is very professional and personable. He takes the time to answer any questions I have and I especially like that he keeps me informed of what's going on with my account. I highly recommend him.