What makes OnTrack different?

OnTrack Capital offers investment advisory services to individuals and small businesses through Thurston, Springer, Miller, Herd & Titak, Inc. (member FINRA/SIPC). Combining both technical and fundamental analysis, we actively manage portfolios with objectives ranging from conservative income to aggressive growth. Individual stocks, exchange traded funds (ETFs), real estate investment trusts (REITs), limited partnerships (LPs) and bonds are a few of the vehicles considered to achieve client objectives. In addition, we employ a variety of techniques to manage and hedge risk, as well as opportunistically enhancing traditional cash flow with “synthetic” dividends by writing covered calls. We differ from most managed portfolios in several important ways:

Each of our portfolios is unique. When an account is opened, we don’t simply throw assets into a previously selected basket of equities, as those issues that we may have purchased for clients last month may no longer be within our “buy range.” Since each portfolio is dynamic, buy, sell and hold decisions are specific to the priorities of the account holder and the overall balance of the portfolio. The result is that no two portfolios are the same and, in fact, contents can and do vary considerably between clients.

We utilize a well-defined, time-tested methodology to make buy and sell decisions. Technical analysis (TA), which utilizes mathematical tools to analyze price patterns and momentum indicators, is at the core of our approach. It allows us to minimize emotion and to make objective decisions, even when the market is highly volatile and emotions are running high. Once promising technical candidates are identified, we do fundamental due diligence in an attempt to ensure that the company is on solid financial footing, relative valuation is acceptable and, most importantly, that we do not overpay for anticipated growth.

We have no masters other than our clients. Since we are independent and charge a flat fee, our only concern is what is in the best interests of the client. There are no managers pushing particular issues or "products of the month" in order to maximize trading volume or move inventory. 

Cash is a position. Unlike mutual funds, ETF’s, and many advisors or brokers, we have no aversion to holding cash when the market direction is unclear and strong buy candidates are hard to find. Holding cash during periods of volatility serves two purposes. First, it acts as a hedge against precipitous moves to the downside. Second, it allows us to take advantage when compelling opportunities do appear.

Risk management is our foremost concern. Of course in the stock market there is no approach that exists that can guarantee returns, but in our (over 35 years of) experience, we have found that in the long term, outperformance comes not from moving up more than the market during advances, but rather by avoiding excessive losses during market declines.

Our accounts are absolutely transparent. Clients have online access and can see all
transactions and portfolio holdings in real time. No secret sauce and no black boxes.

Our advisory fee is based solely on assets under management. The percentage charged varies with the size of the account and advisory services provided. No hidden fees, no trading to generate commissions. 

Check the background of this financial professional on FINRA's BrokerCheck
Check the background of this financial professional on FINRA's BrokerCheck