To develop a financial management/investment practice based on personal service and portfolio performance.
Investment management is probably the most complicated area of financial planning and is therefore where many of us procrastinate. But it doesn’t need to be so difficult: incorporate simple money truths into your financial strategies so you can make decisions with confidence and understand the potential risks and benefits of investing.
Our objective is to invest your portfolio so that it will yield the return you seek with the lowest possible risk. 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, commodities, natural resources, precious metals, and cash, and then rebalanced periodically. If you invested heavily in technology stocks in 2000 or financial stocks in 2007, you may have first-hand experience in the consequences of holding a portfolio that is not diversified. You are not alone: many people experienced large losses in their investments between 2000 and 2002 or late 2007 to early 2009. Holding a diversified portfolio can ameliorate risk of loss.
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 dividends); and that reasonable expenses and tax efficiency are important to total return.
Our model 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.