Our Process

Though each client is unique, there are several common themes among them. These themes define much of our investment process.

For Individuals and Families

Building Wealth
We create a plan to build your portfolio which will include regular saving and an investment strategy with which you are comfortable. We execute our investment plans using outside equity managers, either mutual funds or separate accounts, and our own investment team for the income portions of portfolios. Equity managers must have demonstrated performance superior to a proper benchmark over a market cycle. Our income team is overseen by Mickey Roth who led the USAA Investment Management Company for 15 years. The income strategy is executed by Intercontinental’s trading room.

Living in Retirement
We guide clients to a distribution strategy allowing for lifelong support that retains its purchasing power. (See “Intercontinental’s Unique Products”)

Passing on Wealth
We have both expertise and close connections with accountants and lawyers to provide guidance in your estate planning. (See “Estate Planning Charitable Giving & Generational Transfer)

For Institutions and Corporations

In addition to general portfolio management, we offer:

Management of Retirement Plans
We oversee profit/sharing and pension plan portfolios for businesses. In conjunction with various Plan Administrators we offer an excellent 401(k) product. (See 401(k) Plan Advising)

Cash Management and Risk Control
We provide traditional money market cash management services to a variety of corporate and institutional clients.

For clients seeking above-money-market returns with low risk, we offer our unique Intercontinental Account. (See “Intercontinental Account”)

For Public Entities
Intercontinental is a designated broker/dealer for:

City of San Antonio
Bexar County
San Antonio Water System
Houston Metropolitan Transit Authority