OUR APPROACH

 

Our investment approach embraces our mission of advising, guiding and protecting our client’s wealth. Over the years we have evaluated many investment products and services. We have found that diversification, minimizing expenses, controlling taxes, and monitoring an investment plan are key factors to building, preserving and enjoying wealth.

As a steward of our client’s wealth, we are responsible for crafting individualized investment strategies that are consistent with these philosophies, while avoiding the temptations of current fads or hot momentum investments. Creating and preserving wealth takes time. A consistent approach and the dedication of professionals to these core principles will enable our clients to build a solid investment foundation.


Our Three Tenets to Prudent Investing


Investing is a long-term endeavor. Short-term timing of the markets or following short-term trends and fads as an “investment philosophy” will not result in a successful long-term investment strategy. Investments for growth, income and preservation of capital must be considered prior to developing a portfolio strategy.

Asset allocation and diversification are critical.
It is not the specific investments selected, but rather the asset allocation – the mix of stocks, bonds and cash which a client determines are appropriate to meet their goals – that will be the most important decision. Broad diversification, with exposure to equities, bonds and cash, reduces the amount of risk to a portfolio. We further diversify our client’s portfolios to include: style (value/growth), capitalization (large/mid/small) and a focus on after-tax return using a mix of both active and passive investment strategies. Our goal is to design a customized portfolio to meet our client’s specific individual investment objectives.

Expenses Matter. Understanding the direct and indirect portfolio costs is an important element in long-term portfolio success. We give careful consideration to management fees for each investment relative to performance. We also focus on the "tax costs" associated with various investment strategies. Consequently, we believe index funds, exchange traded funds and mutual funds with below industry average management fees and embedded tax exposure are some of the ways we help clients manage the cost of investing.