Asset Liability Management (ALM) is one of the most advanced analytical tools a financial institution can use to accurately forecast growth, earnings, liquidity, capital, and interest rate sensitivity – key factors in achieving long-term strategic goals. SWBC offers you a cost-effective solution for managing the ALM modeling process, with the following benefits:
- Comprehensive ALM reports, with easy-to-understand commentary and graphics
- Detailed presentation of ALM analysis by an ALM specialist, with peer comparisons and objective commentary
- Annual budgeting reports, with multiple growth and interest rate scenarios
- Monthly bond accounting reports and market value analysis
- Periodic education and training sessions
In a word, we are completely OBJECTIVE, and have only our clients’ best interests in mind when we make investment recommendations. We do not receive any compensation on the investment transactions we make on our clients’ behalf, other than the flat fee that we are paid by them. This fee structure allows us to remain completely objective and focused on maximizing our clients’ earnings.
Investment Portfolio Reviews™
Detailed planning documents that explain the recommended strategy and how it relates to the rest of the institution's balance sheet and ALM risk profile.
Bond Accounting Reports
Detailed and comprehensive bond accounting reports are provided on a monthly basis by an outside third party vendor, thereby ensuring the objectivity of the market valuation process.
Management of Investment Transactions
Professional handling of all investment transactions through each institution’s board-approved list of broker dealer firms.
Regulatory Documentation
In-depth summary of each investment purchase, as required by NCUA.
Education & Training
Ongoing education and training on specific investment products, as well as periodic client training seminars.
Review of Investment Policy
Review to ensure compliance with the latest regulatory guidelines.
Objective Advisors, Inc. was formed in 1995 to provide a higher level of quality in financial management advisory services. As an affiliate of SWBC, we’re able to provide personal service, plus state of the art technology and resources to clients of all sizes.
Let us provide you with valuable investment opportunities that will help you, your management team, and your directors work toward a secure and successful financial future.