Our Investment Philosophy

Our clients are not speculators nor are they high risk takers.  With over 25 years of experience, we have developed strategies to position you (and your assets) for both up and down markets. We believe that managing risk is just as important as seeking asset growth.  We design investment strategies that seek to earn competitive after-tax rates of return while simultaneously managing assets in a way consistent with clients’ goals and risk profiles.

We follow a disciplined investment process that helps control risk and potentially provides more consistent returns. Part of the process may involve developing creative strategies. In keeping our commitment to remain objective we remain neutral to the type of investments we utilize; we are not tied into any one type of security approach. 

Portfolio construction - We believe that diversifying investments by asset class is at the core of any sound investment strategy. We will help you answer three key questions concerning your asset allocation strategy:

  1. Which asset classes should I use?
  2. What mix of asset classes should I use?
  3. When should I change the mix or rebalance assets? 

After developing your asset allocation strategy and investment profile we will seek to select “among the top” asset managers for your portfolio.

Long-Term Approach - Constructing our portfolios with your objective and risk tolerance in mind, we can provide you with either strategic or tactical asset allocation strategies.

  • Strategic Asset Allocation: A target asset allocation mix is determined and rebalancing brings the portfolio back in line with the initial targets.
  • Tactical Asset Allocation: This strategy may provide periodic adjustments based on various market and economic indicators. We may recommend overweighting or underweighting certain asset classes to pursue opportunities, or potentially reduce risks.

Tactical allocation may involve more frequent buying and selling of assets, investors should consider the tax consequences of moving positions more frequently. 

Asset allocation does not ensure a profit or protect against a loss.

No strategy assures success or protects against loss