INVESTMENT PROCESS

We help you develop a personal Investment Policy Statement, then we begin to construct a personalized portfolio given your current investment objectives, your personal risk tolerance and your time horizon.

Your combined portfolio is managed using a two-step process, or overlay:

1. Balance Risk — your portfolio is personalized using a simple, understandable risk management strategy to help balance risk in your portfolio with your risk comfort zone and overall investment objectives.
2. Diversification — your portfolio is diversified based on current market circumstances and our models for income, stocks and mutual funds. The models are constantly monitored and are adjusted as market and economic conditions change.

We provide you with monthly performance details, plus a picture of your annual portfolio performance. We measure your performance against market indexes and your personal benchmark. 

Experience and expertise is what keeps our clients loyal. We've been through every market scenario since 1980, and can therefore impart a uniquely qualified perspective when modeling and constructing client portfolios. 

You can expect the level of personal communication and service we provide by:

• Constructing an Investment Policy Statement based on your a personal long-term financial plan.
• Building a portfolio using a personal target risk balance based on your risk tolerance and investment objectives. 
• Diversifying your investments according to current economic and market conditions.
• Providing a detailed annual portfolio and performance overview.

As managers of your investments, we structure a portfolio based on your risk tolerance, investment objectives, and the timing of major life events. The same investments we recommend to you we own ourselves, and constantly monitor, using diversification strategies based on ever-changing market conditions.

For many clients, we use six equity portfolios and five mutual fund models. Your investments are based on your risk profile and investment time horizon. 

At the core of how we help you is the way we manage your portfolio. Not only do we look at the assets you put under our management, we consider and model your other assets so that the risks, performance, and income are all taken into account.

We are dedicated to helping you filter the noise of what’s going on in the market. In our quarterly newsletter and our monthly e-newsletter, we explain current economic conditions and let you know what this means to you and your portfolio.

These personalized services are how we provide peace of mind for your financial future.