Strategic asset management

Financial professional-driven, fee-based asset allocation strategies

SAM is a fee-based investment advisory program, offering a customized investment portfolio developed along with your Equitable Advisors financial professional, who helps you tailor a plan to your goals, risk tolerance and time horizon.

There is no “one-size-fits-all” solution with SAM. Each portfolio is individually crafted to help achieve an optimal blend of investments tailored to your personal goals, time horizon and risk profile.


One of SAM’s distinguishing hallmarks is its capacity to facilitate custom-tailored portfolios. Portfolios can be created to help minimize the tax consequences of investing, address current income needs, protect your retirement assets or seek capital appreciation. Regardless of your investment objectives, your portfolio can be constructed to reflect your personal goals, time horizon and risk parameters, as well as other considerations.

Ongoing management

Portfolio rebalancing is important with respect to both the strategic asset allocation process and to the long-term success of your portfolio. Rebalancing is designed to help ensure that the allocation of your assets remains in line with stated investment objectives. Because the relative performance of various asset classes will vary, portfolios that are not reviewed on a regular basis tend to drift from their target allocations. A portfolio that is not regularly rebalanced could assume a risk/reward profile that is not in keeping with your investment objectives. Portfolios will be reviewed on a periodic basis, and adjustments can be made when needed to help maintain the optimal allocation of investments. 

Deposit Cash Account (DCA)

The Deposit Cash Account (DCA) program is a bank deposit program that provides you the option to “sweep” uninvested cash balances in your SAM account to an interest-bearing FDIC-insured deposit account, allowing your account to earn a return on these cash balances. The primary benefit of sweeping uninvested cash balances to a bank deposit program is to obtain FDIC insurance, which protects your cash against losses in the event of a bank failure (up to $250,000 per bank per account and up to $1.5 million allocated across banks in this program). To learn more about the DCA program and if you qualify, please talk to your financial professional.

Depending on the portfolio size or the frequency of securities transactions, investors should evaluate whether the separately managed account services within Strategic Asset Management are suitable.

Equitable Advisors and LPL Financial do not provide legal or tax advice. Please review LPL Financial’s Form ADV Schedule H (“Brochure”) before investing.

Investments in the Strategic Asset Management program are subject to market risk, will fluctuate and may lose value.

Asset allocation, diversification and rebalancing do not guarantee a profit or protection against loss.

Securities offered by duly-registered representatives of Equitable Advisors, LLC (NY, NY 212-314-4600), member FINRA, SIPC (Equitable Financial Advisors in MI & TN). Investment advisory products and services offered by duly-registered investment advisor representatives of Equitable Advisors, LLC, an SEC-registered investment advisor. 

Brokerage and investment advisory account investments are subject to market risk including loss of principal. Please consider the charges, risks, expenses, and investment objectives carefully before purchasing a mutual fund. For prospectus containing this and other information, please contact a financial professional. Read it carefully before you invest or send money. Equitable Advisors and its affiliates and associates do not provide tax or legal advice.

Equitable Advisors, LLC, member FINRA/SIPC, (Equitable Financial Advisors in MI & TN) serves as the introducing broker/dealer and LPL Financial, member FINRA/SIPC, serves as the clearing broker/dealer for brokerage accounts. Equitable Advisors, LLC (Equitable Financial Advisors in MI & TN) serves as an investment advisor and LPL Financial serves as the principal sponsor, an investment advisor and the broker/dealer for the LPL Financial investment advisory programs offered through Equitable Advisors' financial professionals. Equitable Advisors financial professionals offer investment advisory products and services through Equitable Advisors, LLC, (Equitable Financial Advisors in MI & TN) an investment advisor registered with the SEC. Equitable Advisors and its financial professionals are not affiliated with LPL Financial. The LPL Financial Privacy Policy found here outlines how information is collected and used and provides the measures LPL Financial takes to safeguard that information.

GE-4861669.2 (01/2024) (Exp. 01/2026)