Sarah Russell

Provides life insurance, retirement and investment services

Montag & Caldwell is a large-cap growth investor. The firm employs disciplined, fundamental analysis to select individual securities. They are a long-term investor, focusing on high-quality growth opportunities. Montag & Caldwell utilizes a primarily bottom-up investment process in which they interrelate price with earnings momentum. Their strategy uses a present valuation model in which the current price of the stock is related to the risk adjusted present value of their estimate of the company's future earnings stream. Montag & Caldwell offers the following investment strategies: Large-Cap Growth, Mid-Cap Growth, Fixed-Income and Balanced. Montag & Caldwell's growth equity philosophy emphasizes fundamental valuation techniques which focus on a company's future earnings and dividend growth rates. The process is primarily bottom-up and utilizes a present valuation model in which the current price of the stock is related to the risk-adjusted present value of the company's estimated future earnings stream. The firm seeks to buy growth stocks that are selling at a discount to their fair value at a time when superior earnings per share growth is visible for the intermediate term. The firm manages fixed-income assets to maximize total return at an acceptable level of risk. They accomplish through adjustment of the portfolio duration/maturity and by changing the sector weights within the portfolio among government, corporate, mortgage-backed and other fixed-income investments. By analyzing the expected total return of a bond portfolio within a range of possible interest rate movements, Montag & Caldwell seeks to structure portfolios to outperform the market with lower risk over a complete interest rate cycle. The firm manages both taxable and tax-free fixed-income portfolios. They provide active fixed-income management that is designed to seek returns that outperform bond market averages, without excessive activity. For their balanced portfolios, Montag & Caldwell combines their high-quality growth equity investment approach with the higher and more stable income of bonds. The appropriate asset mix is determined through consultation with the client concerning their risk tolerance, income needs and growth objectives. The firm further refines the asset allocation between stocks and bonds around the target mix based on their conclusions about market valuation levels, the economy, investor sentiment and liquidity. Asset allocation reflects their judgment of the relative attractiveness of common stocks to other assets and is based on a broad overview of economic, political and financial market trends. The equity portion of balanced accounts focuses on growth companies with strong fundamentals with compelling valuation levels. The fixed-income portion of balanced accounts is fully invested at all times with risk managed by changing the maturities and sector emphasis of the portfolio over time.

Chamber of Commerce

AEGON-IM is an active, long-term, fixed-income and asset allocation specialist manager which follows a value-oriented investment approach. Their investment philosophy emphasizes flexibility and pragmatism and they invest in large- to mega-cap equity, fixed-income and alternative investments in North America, Europe and Asia. The firm follows a research-driven process which blends top-down analysis with bottom-up stock picking. They seek to identify stocks that are undervalued relative to earnings, cash flow, or book value and share research with other asset management subsidiaries within the AEGON group, particularly in Great Britain, the US and Canada. Their in-house research combines fundamental and quantitative analysis with company visits and is supplemented by outsourced research. AEGON-IM manages risks by applying the "three lines of defense" model. The first line of defense consists of Portfolio Risk Control and Portfolio Risk Management. Finance, Compliance and Operational Risk Management departments are the second line of defense and the third line of defense consists of the independent Group Internal Audit, which periodically checks the first two lines of defense to determine whether activities are carried out according to previously agreed standards.

LBP AM is a multi-specialist conviction manager in France and in Europe that manages listed assets and real and private assets.

Aegon AM UK is an active, global investor that aims to deliver superior investment performance with an appropriate level of risk for their investors by running high-conviction portfolios. The firm is style neutral and looks for opportunities to deliver returns across all market conditions, rather than tying themselves to a single investment style, such as value, growth or momentum. They offer a range of investment strategies, covering asset classes including fixed income, equities and multi-asset. Aegon AM UK seeks to identify and consider financial, material, environmental, social and governance (ESG) factors into bottom-up research.

Provides commercial banking, life insurance and investment advice services

Provides investment services

Provides insurance and reinsurance & wealth management services