Our Approach

We believe that the best way to achieve long term investment goals is through the diversification of assets. Accordingly, our approach requires a disciplined, asset allocation process that is critical to meeting both the risk and reward aspects that the client expects. We make none of our investment decisions until the asset allocation has been determined. We are convinced that an asset allocation approach has the best chance of achieving the historical returns evidenced in a full market cycle (five years or longer). 

Primarily using mutual funds, we design and manage investment portfolios that plan for the rest of your life.

• Information concerning your short and long term goals, and your complete financial picture. (We don’t need to manage all of your assets, but we need to know what they are so our piece is compatible with the whole)
• Grant us discretion to manage the assets we have, once the overall plan is approved by you.
• We charge an annual fee on managed assets, paid quarterly.
• A meeting with you at least once a year for reviews and updates.

• A long term investment plan that meets your goals and risk tolerances.
• A portfolio review every quarter, making changes if needed.
• Over 10,000 mutual funds to choose from. (Both load and no-load funds are used, but there is no commission charge on any of the managed funds.)
• Portfolio update presentations to you at least annually, but as many as four times a year, if desired.
• A staff that is ready and happy to serve you, keep you informed, and take the burden of investment decisions from you, so you can spend your time doing the things that you enjoy.

^{Investing involves risk and you may incur a profit or loss regardless of strategy selected.}

^{Please keep in mind that diversification and asset allocation do not ensure a profit or protect against a loss.}