Our Investment Process

As your investment partner, we are committed to helping you pursue your unique financial goals and objectives. After developing a thorough understanding of your risk tolerance and short, and long-term goals, we will work together to create a customized investment portfolio designed for you. In order to accomplish this, we will take you through the investment consulting process, which is designed to help us determine how to best address your financial goals and dreams.

Our investment philosophy is firmly based on Modern Portfolio Theory. We recognize that a prudent portfolio starts with strategic asset allocation. To help reduce risk within a portfolio we believe that assets should be diversified across the spectrum of investment styles. We believe that the day to day security management should be left to specialized experts, leaving us to manage the big picture while continually monitoring our clients’ portfolios.

Fee Based Investment Management

When managing assets, our clients look to us to provide independent, unbiased advice, free from all potential conflicts of interests. To ensure that our objectives are in sync with our client’s, whenever possible we will provide fee based investment management. This means that we will not accept commissions from mutual funds or investment companies, instead we will use low expense investment products, and charge an advisory fee to our client. This means we are compensated for what our clients expect from us, ongoing advice, not simply processing transactions.

The truth is that as an investor working with a financial professional, you are going to pay the expense one way or another. We feel that you should know what expenses you are paying, and what value you are receiving in return. In addition, you will never have to question if the advice you are receiving is truly in your best interest because it will not have an effect on your costs (i.e. additional commissions).

Asset Management services offered through LPL Financial, a Registered Investment Advisor, Member FINRA/SIPC

Our Investment Process

Our Investment Philosophy consists of a five step investment process which we uniformly apply across our client’s accounts. Our Investment Process is:

1. Asset Allocation: Develop an Asset Allocation strategy to determine each portfolio’s long term risk and reward potential
2. Investment Style Diversification: Limit short term risk by diversifying portfolio assets across multiple Investment Styles such as Large Cap and Small Cap, Growth and Value, Domestic and International stocks, etc
3. Specialist Money Managers: Identify and hire a stable of “best of breed” specialist money managers and mutual funds
4. Tax Management: Enhance overall tax efficiency of taxable portfolios though tactical tax management techniques such as gain/loss offsets, loss harvesting, and utilizing tax efficient managers
5. Ongoing Monitoring: Continually monitor each portfolio and all managers. Periodically rebalance each portfolio to maintain desired risk/reward characteristics

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