INVESTMENT PHILOSOPHY & PROCESS

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Our goal is to produce the returns required for each client's personal retirement plan. Long-term success requires a sound process and consistent application.

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Each custom portfolio begins with a strategic diversification plan, based on the client's return needs and risk profile. Proven statistical methods help to determine the target asset allocation across a broad spectrum of financial assets. But we never allow models to replace informed judgment and will move to more conservative weightings should conditions warrant.

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Our Core and Satellite approach offers the benefits of both active and passive security selection, while being tax and cost efficient.  
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The core is composed of individual stocks and bonds that are selected and monitored in-house.  Reviewing independent analysis from multiple research firms provides added perspective to our evaluations. We look for opportunities to invest at prices that offer a margin of safety to intrinsic values and will exit positions once they appear overvalued. 

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The satellites complete portfolio diversity primarily through select exchange-traded funds (ETF's) that provide low cost exposure to specific market sectors.

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Managing portfolios is our daily responsibility. We stay focused on the financial markets, so our clients can focus on the other important areas of life.