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.

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AlphaTiltTM

Flagship portfolio series
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Private Investments

Portfolio series
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Other

Foundation and Satellite
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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 & Passive
Strategic & Tactical
Factors Based
Scientifically Researched
Fundamentally Based

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

Strategy/Objective:100% Equity

Designed to reduce overall portfolio volatility and provide limited downside protection during market corrections through tactical tilting with select factor ETFs.

Potential Annual Return1

7.67%

Style Factors

Risk 55
Target Risk Score Range3
Risk 65
Strategy/Objective:100% Equity

Designed to enhance risk-adjusted returns over the long-term by making modest tilts while maintaining consistent broad exposure to factor ETFs.

Potential Annual Return1

9.36%

Style Factors

Risk 65
Target Risk Score Range3
Risk 73
Strategy/Objective:100% Equity

Designed to opportunistically enhance risk-adjusted returns over the long-term through tactical tilting with targeted factor ETFs.

Potential Annual Return1

9.14%

Style Factors

Risk 75
Target Risk Score Range3
Risk 85
Strategy/Objective:100% Equity

Designed to deliver enhanced, yet sustainable income from diversified equity portfolio. Target yield of 4-6% by utilizing specific factor ETFs.

Potential Annual Return1

6.49%

Style Factors

Risk 60
Target Risk Score Range3
Risk 80
Strategy/Objective:100% Equity

Designed to provide enhanced risk-adjusted equity returns of international markets, both developed and emerging markets.

Potential Annual Return1

5.46%

Style Factors

Risk 80
Target Risk Score Range3
Risk 90
Strategy/Objective:100% Fixed Inc.

Designed to provide less volatile fixed-income returns of the bond markets. Properly diversified across issue types and maturities.

Potential Annual Return1

2.78%

Style Factors

Risk 20
Target Risk Score Range3
Risk 35

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

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

Satellite

We’ve built purposeful, effective, and unique satellite portfolio strategies to complement Centric's core portfolio strategies.

Explorer

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

Unemployment Risk

Illness <br> Risk

Illness
Risk

Premature <br>Death

Premature
Death

Tax <br>Risk

Tax
Risk

Market <br>Risk

Market
Risk

Inflation <br>Risk

Inflation
Risk

Government <br>Risk

Government
Risk

Longevity <br>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.

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Defined Benefit Plan

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Be Your Own Banker

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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



“Being successful in this industry is simple:
do common things uncommonly well.”


Zac Majors

Founder & CEO

Testimonials

When you become a part of the Centric family, the relationship centers around you. Here's what clients say about us.

Ricky Amell

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.

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

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.