Our approach to managing assets is to provide each client with an investment experience that strives to meet their unique financial objectives through disciplined asset management and comprehensive service.
Comprehensive assessment and develop the plan
We determine your goals, objectives, risk tolerance and time horizon. We review your existing assets, cost basis, and your needs for income and cash flow.
Implement the plan
We create a strategy, customized for your unique situation that addresses your financial goals and ability to tolerate risk. We are mindful of tax implications when creating your investment allocation. At the core of risk management, we implement a broad asset allocation of equities and fixed income securities to fit your risk tolerance. We then create your specific portfolio predominately utilizing low-cost, no-load, and tax-efficient index funds and exchange-traded funds, along with individual stocks and bonds.
Monitor the plan and revise as necessary
We revise and make tactical adjustments to your allocation based on changes in your financial situation and opportunities or risks in the economy and markets. Monitoring and adjusting your asset allocation strategy, as your financial life evolves, is equally as critical as when the plan is initially created.
Report, review and communicate
We keep you well informed in ways that fit your lifestyle and hopefully do not burden you with information overload. Face-to-face meetings, paper statements, e-statements, and mobile app portals are all available.
All investing involves risk, including the possible loss of principal.
Asset allocation does not ensure a profit or protect against a loss.
Tactical allocation may involve more frequent buying and selling of assets and will tend to generate higher transaction cost. Investors should consider the tax consequences of moving positions more frequently.