SEM has 3 investment management styles with multiple models to choose from.
Each model is a "building block" inside a customized portfolio.
(click on the box for more details on each model)

Monitored DAILY

(based on stock & bond market direction)

Multi-sector fixed income rotation
Multi-model stock rotation
High yield bond trend following
Biblically Responsible bond trend following
Multi-sector municipal bond rotation
Only available on FlexUMA

Monitored MONTHLY

(based on SEM's Economic Models)

Rotation around core fixed income benchmark
Combination of DIA and DAG
Rotation around core stock benchmark
Long-short "hedge-fund" type rotation


(based on strongest asset classes)

Ameriguard Portfolios Logo (TM).png
Rotation between
30-70% stocks
Rotation between
50-90% stocks
Rotation between
70-100% stocks
100% stock allocation among top funds
BRI Rotation between
income investments
BRI Rotation between
0-70% stocks
BRI Rotation between
70-100% stocks
BRI Rotation between
100% stock allocation

Other Models

Rotation around core fixed income benchmark
Strategic allocation to Aggregate Bond Index
Strategic allocation to Virginia Muni Bonds
Momentum Stock Model

SEM's AmeriGuard  (TM) and Cornerstone Portfolios are a blend of strategic & dynamic models utilizing some of the top fund companies in the country. AmeriGuard focuses on American Funds and Vanguard, while Cornerstone focuses on Biblically Responsible Investments. Each portfolio is designed to create a more risk-efficient exposure to the specific return & risk objectives relative to a passively managed index or fund available individually at each fund company. For more details, go to our AmeriGuard or Cornerstone pages.

The Art behind the Science

Investing is far too often more art than science. Over the last 28 years, SEM has applied our Scientifically Engineered Models to everything possible, including the most important question in the entire investing process –how should the assets be allocated. There are thousands of questionnaires out there, but SEM has found our simple 10 question survey steers investors towards the portfolio that best suits their financial personality. We discussed this process in our webinar, “Converting Biases to Profits”. 

To take SEM's Risk Tolerance & Objective Questionnaire, click here or click on the image below.

SEM also has an Excel Toolkit that allows you to choose your investment models. Click the toolkit screenshot below to download a copy to use on your computer. Make sure you check back each quarter to download the latest version. Please note, depending on your browser and security settings, you may need to check your downloads folder. Also, when you open the Excel file, you may have to click <Enable Content> for the spreadsheet to be fully functional.

Additional Materials:


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risk questionnaire preview.PNG

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This site is for INFORMATIONAL PURPOSES ONLY.  Investing in the stock or bond markets involves risk and may not be suitable for all investors. Before making any investment decisions you should carefully consider your investment objectives, level of experience and risk appetite. The possibility exists you could sustain a loss of some or all of your initial investment and therefore you should not invest money you cannot afford to lose. You should be aware of all the risks associated with your investments and seek advice from an independent financial advisor if you have any doubts. All investments involve risk including those managed by SEM Wealth Management (SEM).


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This policy is provided in accordance with Title V of the Gramm-Leach-Bliley Act and Regulation S-P.