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Our Practice

Investment Core Beliefs

Our approach to investing is designed to provide solutions and strategies specifically tailored to your goals and ongoing advice and due diligence to help simplify your financial life.  We use these Investment Core Beliefs to achieve that goal:

Investment Philosophy

Creating the right financial plans and investment strategies for you begins with understanding who you are and what’s important to you. Far more than a simple Q&A, our process begins with truly getting to know you – your values, hopes and concerns. We’ll engage in a conversation about your current financial situation, your priorities and your vision for the future. And this line of communication will stay open once we’ve built and implemented your comprehensive, personalized solutions so we can ensure they remain on track for the long term.

Client Centered

Asset Allocation

  • We believe in strategic asset allocation among major asset classes including stocks, bonds, cash, and alternatives that incorporates the client's time horizon and experience as an investor
  • We believe that annual rebalancing can enhance returns and reduce risk

Investment Management

  • We believe in low-cost best of breed mutual funds with significant ownership by portfolio management team.
  • We believe best of breed managers should be given the opportunity to make asset allocation decisions including the decision to hold cash.
  • We believe low-cost index funds covering sub-asset classes can enhance a portfolio using active management.
  • We believe it is important to be extremely selective in the alternative asset space as high fees erode returns and access to the best products is difficult.
  • We believe owning individual stocks can enhance portfolio returns and encourage client engagement.
  • We believe wealthy investors are well served by owning Municipal Bonds to manage interest rate risk and to provide ongoing liquidity.

Tax Management

  • We believe in active, annual tax management at the account level.

Performance Measurement

  • We believe performance should be judged over a full market cycle of many years and great managers often have longer periods of underperformance.

All investments carry a level of risk, including loss of principal.  Diversification and asset allocation do not ensure a profit or protect against loss.

The simplest ideas can sometimes make a massive difference over time. Enjoy this brief video to learn more.
We all know the stock market can be unpredictable. We all want to know, “What’s next for the financial markets?”

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