Welcome To
Terril & Company Private Wealth Management
Put Our Independence and Fiduciary Position To Work for You
Terril & Company is an independent wealth management company founded in 1979 by John “Joe” Terril. Since then, referrals from satisfied clients and third-party professionals have fueled virtually 100% of our growth.
The company takes a highly personal approach to serving clients, which typically includes high net worth individuals, trusts, and private/corporate retirement plans.
Members of the Terril staff answer their own phones and truly offer close, personal service..
The investment selections Terril makes are based solely on their potential to produce positive, long-term returns for clients. The firm derives 100% of its revenue from disclosed client fees. Terril receives no compensation from any other source tied to or connected to the client’s accounts
WHY TERRIL
Why Investors Continue to Choose Terril & Company
Why Terril & Company’s Conservative Approach Often Outperforms Aggressive Portfolios
When evaluating rates of return, an average rate of return means nothing ! The most important figure is the CUMULATIVE return. The following example shows a 7% average rate of return beating an 11.625% average rate of return.
| Conservative Portfolio | Rate of Return |
|---|---|
| Year 1 | 7% |
| Year 2 | 7% |
| Year 3 | 7% |
This portfolio obviously averaged 7%. The cumulative return is 22.50 % due to the super important calculation of compounding.
| Aggressive Portfolio | Rate of Return |
|---|---|
| Year 1 | 50% |
| Year 2 | 20% |
| Year 3 | -35% |
The arithmetic average of this portfolio is 11.625%. However, the cumulative return is only 17%. (1.5 X1.2 X.65 ) The huge gains of the aggressive portfolio in Year 1 & 2 make the conservative portfolio look poor. However, during market corrections, aggressive investors often experience significant deterioration of previous year’s gains. This was the case in 2022 when fully invested portfolios lost approximately 23%.
At TERRIL & COMPANY we realize the maxim “It’s not what you earn in good markets that counts. It’s what you don’t lose in bad markets that is most important.”
Philosophy
Discipline, Patience, and Long-Term Focus
As a registered investment advisor, we believe that true success comes from making disciplined decisions and having a long-term vision. Our services are built on patience, careful risk assessment, and strategies designed to protect wealth while pursuing consistent growth.