We keep things simple. Essentially, we believe in following several basic principles of investing when helping clients with their investment strategies.

  • Determine and define a sensible time frame
  • Set a reasonable target rate of return
  • Use standard investment tools and management to design a portfolio
  • Monitor the portfolio
  • Rebalance and adjust as necessary

In short, create a diversified mix of cash, bonds and stocks, monitor it closely and allow time to provide the returns desired. Along the way, track performance against market indexes and re-balance and adjust as necessary.

Process Not Product

Instead of trying to time market fluctuations, find the top market sector or pick the "hot" stock or mutual fund, we spend lots of time up front, designing a balanced and well diversified portfolio. We want a portfolio that provides assets with the potential to benefit when the markets rise while helping dampen the inevitable downward periods. All towards the goal of helping provide the potential for long term growth and income.

The first step in our investment process is to determine the goal of the investment portfolio:

  • Buying a Home
  • Retirement
  • Education
  • Second Home

Next, we determine the desired level of growth needed to achieve the goal and compare that to the risk level needed.  For this we use carefully designed risk tolerance questionnaires as well as discussions to help outline these features.

Generally, we use mutual funds as investment vehicles for our portfolios. Mutual funds provide:

  • Diversification
  • Low Expenses
  • Central Record Keeping
  • Professional Management
  • Convenient Access of Values

As our basic investment tools, we mix mutual funds to build portfolios comprised of cash, stocks, and bonds.

  • Cash for Liquidity and Safety
  • Bonds for Income
  • Stocks for Growth

All the hard work is done on the front end of the portfolio. Once successfully accomplished, a well designed portfolio of investments is ready to weather all that the markets can muster and provide for the reasonable expectation of accomplishing the target rate of return within the time frame determined.