Monica Ann McCarthy

Harvest Capital Management (HCM) employs a disciplined, conservative investment strategy based on fundamental proprietary research. Their management style is a blend of value and growth with the overriding consideration of uncovering growth at reasonable prices. Their disciplined financial analysis is designed to improve objectivity and diminish emotional influence. They are long-term investors, not short-term traders. HCM seeks to generate consistent returns and superior long-term results. The firm's strategies take each client's individual tax situation into account to enhance after-tax results.^ ^ HCM utilizes a broad range of asset classes and investment vehicles to create globally diversified, multi-asset class portfolios. They focus on careful asset allocation using disciplined rebalancing techniques. Securities may include: domestic equities, international developed market equities, emerging market equities, commercial real estate direct investments, REITs, fixed-income securities, TIPS, natural resources, private equity, investment notes, absolute return strategies and cash/cash equivalents.^ ^ To avoid single-issuer risk, HCM uses passive or structured index vehicles to broadly diversify portfolios. The firm seeks investments with low correlations to each other to dampen return volatility within the portfolio and to provide protection in difficult markets. They minimize correlations by diversifying globally across asset types that tend to move independently of each other. HCM also employs absolute return strategies which derive their returns from different economic factors than those typically affecting stocks and bonds.

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Functions as a College/University

Seascape works with each client to develop their personal goals and risk tolerance to create an effective portfolio design and implementation. They balance a concentration of individual equity securities with a diverse mix of bonds and exchange-traded funds of various asset classes to maximize return and minimize risk. Their process combines a disciplined emphasis on quantitative metrics with a qualitative assessment of the economic and political environment.