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Our goal is to answer “YES” when you ask “Do I have the right investments properly balanced in each asset category and the investment model most appropriate for my risk tolerance and time frame?”
When it comes to investing, our approach is very methodical and leaves little room for emotions. Our investment strategies are based on a disciplined, objective, and risk/reward approach, which is designed to get the desired results. Our recommendations emphasize asset allocation and minimized trading over individual stock picking and overactive trading.
How you diversify your portfolio among different classes of assets has been shown to be the most important factor in determining long term performance. In fact, according to some experts, it accounts for more than 90 percent of the return. Asset allocation is the process of allocating your money into different asset classes: large, mid, and small cap; domestic and international equities; fixed income securities; real estate; and commodities.
Our intention is to earn an expected return and reduce the volatility of your investments. The volatility of markets and investment values are unpredictable; no outcomes can be guaranteed and past performance does not guarantee future results. Diversification does not guarantee against loss but it is a method used to help manage investment risk. We will choose an appropriate level of risk intended to maximize returns while also letting you sleep at night. Risk is an inevitable byproduct of the market, but it can be managed.
Our goal for managing your money is steady growth and preservation of principal. We focus on long term performance and downside risk management; we do not want you to assume more risk than is necessary to achieve your goals. We want you to understand what you own, why you own it, and what the expectation is for each holding. We will go beyond questionnaires and financial facts to understand your goals and values, what money means to you, your time frame and your ability to sustain market volatility. Our strategies are intended to instill discipline and reduce emotionally charged decisions.
Researching and choosing the appropriate investments is time consuming and complex: there are thousands of mutual funds alone from which to choose. We use no-load mutual funds, meaning there is no associated commission or sales charges, because they offer cost-efficient and diversified exposure. We are relentless about cost control, minimizing tax liabilities and trading fees. Our low cost approach provides enhanced value long-term.
Since we are an independent firm, we have the freedom and ability to research the entire universe of investments and investment managers to create a diversified portfolio that is tailored to your individual needs, objectives and concerns. Our investment recommendations are based on sophisticated financial software and research materials, most of which are only available to financial professionals.
We never take custody of your assets; we use a third party custodian, TD Ameritrade Institutional, to take custody of the assets, execute the trades and produce investment statements. There is always a record produced for any transaction we execute.