Jonathan W. White

Citizens' investment management process stems from the belief that good corporate citizenship can enhance company performance. Established on the premise that effective corporate citizens make for the most effective companies, Citizens serves institutional clients and retail investors by investing in companies that they believe are fundamentally strong and socially responsible. Every security in their portfolios is subject to proprietary research that examines fundamental and social factors that the firm believes affect a company's performance over time. Financial analysis is conducted in tandem with a thorough check of each company's management practices and record of corporate responsibility. Citizens' in-house research team examines specific variables seen as potentially contributing positively to investment performance or decreasing investment risk.

TD Banknorth Wealth Management Group's (TDB) investment process combines diligence and focus with continuous client communication. Their multi-disciplinary team approach constructs each portfolio individually. The firm focuses on increasing after-tax returns and is an advocate of long-term investing. TDB's large/mid-cap core strategy includes investing in stocks of companies utilizing a blended style of investing by using both a growth-based or value-based strategy. The firm selects economic sectors and industries with a potential for above average growth for a five-year or more period. They seek to identify companies that offer secular growth driven by factors such as technological changes and demographics and avoid industries subject to heavy governmental regulation or dependence on commodity pricing for growth. TDB employs fundamental research to identify companies with histories of sustained profitability and leadership within their respective industries. Their primary focus is on the core earnings power of the company and their ability to provide above-average growth in revenues, earnings and cash flows for a multi-year period. Typically, this investment strategy focuses on companies with moderate to high p/e ratios and dividend yields that are generally lower than the overall market. Though not limited by sector, TDB tends to invest in the stocks of US large-cap companies in the finance, energy minerals, producer manufacturing, consumer non-durables and health technology sectors. The firm maintains a low turnover rate.

MFS focuses on identifying businesses with durable, long-term value through their active investment platform. The firm uses various methods to evaluate securities, including fundamental analysis and quantitative analysis.

Provides investment management solutions

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