As CERTIFIED FINANCIAL PLANNING™ professionals, we have a strongly rooted process for creating investment recommendations.
First, we first get to know you as both an individual and as an investor.
Next, we help you articulate your big-picture financial goals and objectives.
Then we design a strategy specifically for you. We discuss with you how the strategy fits together to achieve your goals, and make sure you understand and agree with the approach.
With an agreeable strategy in place, we put the pieces in motion. We constantly monitor your investments and hold regular reviews with you to make sure that your investments remain appropriate throughout changing market conditions and your evolving personal needs.
Our investment approach is centered around you.
Every individual has his or her own specific financial needs, goals and objectives. Using all the tools at our disposal, we create an investment strategy designed to give each client the greatest chance of achieving their definition of success.
The best way to preserve and grow wealth is to avoid major losses. While we don't guarantee that our portfolios won't have periods where they are down, we do spend a lot of time designing them so that when the markets dip, the portfolios won't be down as much. Our investment philosophy is based on preserving your wealth while identifying investment opportunities that possess attractive return potential.
"The first rule of investing is don't lose money. The second rule is don't forget rule number one."
- Warren Buffett
We are a dynamic manager and adjust our asset allocation, risk profile and manager selection as market conditions change.
Client portfolios are typically broadly diversified among many different asset classes and undergo a diligent manager selection process. We primarily create portfolios of thoughtfully selected no-load or load-waived mutual funds, paying careful attention to cost control.
Our manager selection process uses both top down and bottom up analysis. This creates a portfolio of our very best ideas. Our portfolios are not static, and over time we monitor and adjust both the asset allocations and the individual holdings as we anticipate and respond to the markets and economic conditions.
Many of our clients also seek protection from high tax rates. We monitor realized gains and losses in their portfolios throughout the year to minimize unnecessary tax burden.