Our Investment Process is a function of risk management.

It is designed to help achieve client’s goals, as a part of the overall financial plan, with the least amount of risk prudently possible, so as not to jeopardize client aspirations. Simply put, our goal is to deliver strong relative risk adjusted returns that will allow our clients to live the lifestyle they desire.

Realizing that no two clients and their families are alike, each client portfolio is carefully tailored to fit the unique needs of that client. To fully understand the specific needs of each client, we begin each relationship with a thorough financial plan, which acts as the backbone to their portfolio construction.

Diversification & Strategic Asset Allocation

We attempt to achieve consistent portfolio results by employing broad diversification with asset classes of varying degrees of correlation and volatility in a portfolio. We accept that, as many studies have demonstrated, the largest part of success in the capital markets is attributable to proper asset allocation amongst asset classes, styles and sub-styles and thus focus our efforts primarily on this important component of portfolio management.

We first employ a strategic asset allocation based on our long-term outlook for the capital markets. Over this, we lay a tactical asset allocation that attempts to smooth out returns over shorter periods of time.

We may use ETFs, no-load mutual funds, separate account managers, alternative investments or a combination of these to implement our asset allocation and may terminate active managers if our research indicates that they may underperform or increase risk in the future.

We may also manage some or all of the portfolio by employing our own security selections based on a combination of our own fundamental and technical research and that of major research firms.