Investment Management

With each of our clients, our objective is to maintain wealth while growing it at a rate appropriate to the individual client's goals and constraints. Over the years, we have realized that the most important part of investing is protecting the downside in the market. In a good market, everyone makes money, however, in a down market, if your portfolio does not have the appropriate risk measures in place, the gain that you obtained in a positive market will be washed away. Our client portfolios are built customized to achieve a particular balance of risk and return pursuant to our clients goals and desires.   Attempts to outperform capital market returns by trying to identify market errors through security selection and by market timing have generally proved unsuccessful over an extended investment horizon. Therefore, we select investments designed to deliver capital market returns rather than speculate on the fortunes of individual securities. Rather than focus on current market events, we structure portfolios based upon long-term trends in the financial markets.   Asset allocation, or the strategic distribution of assets across various asset classes, is the primary determinant of results. By building portfolios in the light of financial market research, we seek to structure a portfolio in which risks are compensated by return at a level appropriate for the individual investor.   Consistent with our philosophy, our portfolios tend to have very low turnover and low fund expenses. Fixed income investment in most cases is managed directly, not through funds. Where appropriate, alternative and direct investments may be used to increase return, enhance diversification or reduce risk and correlation to the markets. We do not sell product, nor do we receive any type of compensation from any firm, including our clearing company TD Ameritrade (Institutional).  This relationship simply allows us to track your investment accounts on a daily basis and provides you with increased privacy and security.   For more information on our “Investment Process”, please click here.