Asset Allocation

We use Dynamic Asset Allocation as our strategy to capture and preserve investment gains. Dynamic Asset Allocation is a way of diversifying a portfolio of investments by owning stocks, bonds, cash, real property or natural resources in approptiate percentages. Annual "rebalancing" back to the desired percentages enforces the discipline of selling high and buying low. By diversifying in this way we strive to provide more consistent or less volatile investment performance. Consistent investment performance creates greater portfolio values. Read more about the effects of Volatility on Portolio Performance.

Active Management

Some investment advisors advocate a "passive strategy", using Index funds to equal broad market averages. We utilize an active investment strategy, researching and selecting best in class Institutional Managers who's performance has exceeded market averages consistently. (To us it doesn't make sense to ask you to pay for average performance.) Using active asset allocation, we model and build a portfolios appropriate for you using a mix of these managers. The performance of our managers is monitored monthly to assure that they continue to exceed our rigorous standards.

Goal Directed Investing

To invest effectively we must first understand your unique situation and goals for the future. Your time horizon, risk tolerance, financial independence funding requirements, estate planning goals, current investment assets, college funding needs and other financial goals are all considered when we invest for you. A successful Investment strategy begins with a comprehensive financial plan and Investment Policy Statement. If you haven't invested in a financial plan, we can help you.

Your funds will be held in accounts with Charles Schwab, the leading independent custodian. On line access to your account is available upon request.