We keep your money working hard…for you!

It is our belief that portfolios must be structured, using the few investing principles that stand the test of time and scrutiny.  Since most individuals and even many professionals do not follow these basic tenants, this approach differentiates our firm and makes us preferable to other investment managers.

Our approach is to follow a strategy that will withstand many investing environments, requires modest trading and keeps expenses low.  This requires employing rigorous diversification in the most cost effective manner.  Initially, we evaluate possible asset allocations and attempt to incorporate as many non-correlated asset classes as is practical in the forms that we feel will be the most practical.

Once an asset allocation is agreed upon, we select investments that are in keeping with the strategy.  We construct portfolios using individual securities (such as stocks, CDs and government/municipal bonds) and low cost index funds and ETFs (exchange-traded funds).  We adjust portfolios periodically to ensure they stay close to the desired allocation and add securities (or adjust weightings) when necessary or when we feel it is particularly timely.

Typically, we use passive management vehicles believing that few superior managers exist.  As such, we control the market exposures within the broadly diversified mix of investments.  As a result, we can be relatively assured of capturing the market returns.  And, since we focus on asset allocation and diversify among many different markets, you get an overall return commensurate with the returns on all the included asset classes.  This way, we can control the factors within our control, minimize the negative impact of those that aren’t and help you keep a higher share of what you earn.