Philosophy

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Purpose/Mission:

To develop a financial management practice based on personal service and portfolio performance.

Relationship Philosophy:

Building strong and lasting relationships with our clients is our top priority and we do so by following our firm’s motto throughout the entire client experience. “Listen First, Build Wealth, Secure Futures”.

Investment Philosophy

Our objective is to invest your portfolio so that it will grow in value and yield the return you seek with the lowest possible expenses while staying within the boundaries of your risk tolerance. The best way to achieve this is through diversification, in other words, the allocation of your portfolio among different asset classes. Simply stated, depending on your situation, your money is invested in a variety of stocks, bonds, mutual funds and ETF’s and then rebalanced periodically.

Investment Decision-Making

Being diversified among asset classes does not mean living with low returns; rather, it delivers better volatility-adjusted returns. In addition, we believe: that portfolios should be rebalanced periodically in order to maintain a long-term chosen asset allocation (that can change when financial objectives change over time); that over the long-term common stocks outpace income investments (their higher expected returns are coupled with compounding interest); and that reasonable expenses and tax efficiency are important to total return.

Investment Research

Our client portfolios are designed using in-depth asset class research and mutual fund due diligence from Morningstar, and other independent sources. We invest in actively managed mutual funds, indexed mutual funds, exchange-traded funds, along with individual stocks and bonds to build your portfolio and monitor it against established benchmarks.