There’s more to asset management than picking and choosing stocks and bonds.  Effective asset management is an ongoing, adaptable, hands-on process that ensures every investment decision is in line with your risk tolerance and financial aspirations.  Whether you’re planning for retirement, needing and income stream from your investments or investing for a child or grandchild’s education, you need an advisor that understands your family’s needs and cares enough about your goals to manage your money.

Investment Philosophy:

Our investment philosophy is unique in that our clients’ individual goals dictate how we manage their money. We strive to provide consistent, predictable returns that allow our clients to reach their financial goals.

We do this by:

Managing and mitigating risk in a portfolio

• Protecting the assets you already have is just as important as providing positive returns.  We believe in actively managing our client’s portfolios and taking defensive positions during volatile market and economic times.
• Our team utilizes statistical research and analysis to reduce portfolio risk and volatility.
• We believe in diversifying portfolios on multiple levels.  Not only do we believe in using multiple asset classes when building portfolios, but also provide our clients with alternative and non-correlated investments to further protect their interests.

Minimizing the impact of taxes and fees

• We include a special focus on tax management and efficiency to help control tax implications without your portfolio and to help enhance after-tax returns. After all, it’s not the money you earn; it’s the money you keep.
• Using low cost investments such as index funds and ETFs help lower the overall investment expenses, allowing our clients to keep more of what they earn.

Gathering multiple economic and investment perspectives

• We use a mix of internal and external resources to provide us with timely and pertinent information regarding ever-changing market and economic conditions.
• Being an independent firm, we have access to thousands of non-proprietary investment products and services.  This gives our clients access to the most proven and successful money managers available.

Employing a core/satellite approach, taking advantage of tactical opportunities in the market

• We believe in maintaining a diversified asset allocation on “core” portfolio holdings while making tactical decisions and adjustments with “satellite” positions.
• Our advisors diversify investment portfolios based on client risk tolerance.  Diversification combined with rebalancing and dollar cost averaging, provide our clients with predictable investment returns and minimize portfolio volatility.
• While timing the market is nearly impossible and we avoid trying to do so, we do believe market inefficiencies and opportunities present themselves from time to time.  We actively look for such opportunities to take advantage of in the satellite portion of our client’s portfolios.  It is important to note that a thorough analysis of potential risk and return is conducted and discussed with each client before investments are made.

Introducing non-correlated, alternative asset classes into traditional asset allocation models in order to reduce risk

• Historically, asset allocation and diversification have been effective investment tools.  Unfortunately in today’s global economy, traditional asset classes have become more and more dependent on one another.  This interdependence or “correlation” has greatly reduced the effectiveness of traditional asset allocation models.  In response to this challenge, we employ a more sophisticated form of diversification.

• Our asset allocation models include alternative investments that have minimal or no correlation to the other portfolio holdings.  This provides our clients with effective diversification and risk management.