Ted P. Kovaleff

Horwitz & Associates runs two portfolios: Horwitz & Associates Growth Portfolio and Horwitz & Associates Conservative Portfolio. The firm designs growth portfolios for investors who are willing to take on risk to achieve a potentially higher rate of return, by diversifying into companies that are considered in the forefront of their industry. The portfolio is comprised of a stocks, bonds, cash or money market funds. A typical portfolio may have a high percentage of weight in stocks depending on the client's risk tolerance, market conditions and other factors. When appropriate, covered call options are written on the equities in the portfolio and other put and call option strategies may be utilized. Horwitz & Associates' focus and area of expertise is in community bank and financial stocks. The remainder of the equity portion is invested in companies with historically consistent earnings growth in expanding industries. The focus of the equity portion is on companies that have a unique niche and/or have market leadership. A portion of the portfolio may be comprised of high-grade and/or situational bonds. Horwitz & Associates designs conservative portfolios structured for investors desiring a goal for preservation of capital with relatively lower risk. The portfolio is comprised of stocks, bonds, cash or money market funds. A typical portfolio is balanced between stocks and bonds based on a client's risk tolerance, market conditions and other factors. When appropriate, covered call options are written on the equities in the portfolio. Horwitz & Associates' focus and area of expertise is in community bank and financial stocks. The remainder of the equity portion is invested in companies with historically consistent earnings growth and dividends; the fixed-income portion of the portfolio may be comprised of high grade and/or situational bonds.

Provides brokerage services

Functions as a College/University