Our Philosophy

  • We believe capital markets are efficient over the long-term and that prices will generally reflect all available information.  However, we also believe that some markets are more efficient than others and that several factors may cause prices and values to diverge in the short-term to create investment opportunities.
  • We do not believe that an investor is able to consistently forecast when the market will rise or fall in the near term.  Therefore, we are strategic investment advisors who assist our clients with making educated decisions and developing long term investment policy.
  • We will not abandon long-term strategy and discipline in pursuit of short term results.  Assisting our clients in meeting their long term goals is more important to us than short term performance.
  • Each of our clients has unique goals and circumstances.  Each of our client’s portfolios are designed and implemented based on your risk tolerance and investment goals.
  • Historical data tells us that the risk of owning stocks decreases as an investor’s holding period increases.  Therefore, an investor with a longer investment horizon should allocate a larger percentage to stocks.
  • For your short-term financial needs, fixed income securities and cash in your portfolio are appropriate.  However, in the longer term, we believe owners of fixed income securities are assuming the risk of outliving their resources and not achieving their goals, as their real returns will be eroded by inflation.
  • We will seek to diversify our clients’ assets by asset class (stocks and bonds), by investment style (growth and value), by market capitalization (large cap and small cap), and by geography (domestic and international stocks.)
  • Once our client’s asset allocation and investment policy is established, we believe that individual security selection is best left to highly specialized, experienced professional money managers.  We continue to monitor and analyze the performance of rebalance the portfolio as necessary.
  • We believe strongly in managing and controlling the more predictable elements in portfolio management – fees and taxes.  We cannot control what the market will do at any given time.  However, we can implement proven strategies to maximize after-tax returns and minimize costs.
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