Meeting Your Objectives
We take a comprehensive approach to investment management with investment selection grounded in modern portfolio theory. We find that asset allocation is the primary determinant of long-run portfolio performance.
Exceeding Your Expectations
Our focus is on all aspects of your financial well-being. Think of us as the “chief financial officer” for your family. Wealth management clients receive access to invaluable advice, planning and ideas on virtually all types of financial matters. Just Ask.
Our investment philosophy is based on three key concepts:
- Risk and return go hand-in-hand in the capital markets. A fundamental principle of "Modern Portfolio Theory" is that increasing return is accompanied by increasing risk.
- Historical market patterns are a reliable predictor of how asset classes will perform, at least in direction, if not magnitude, over the long-term.
- Attempting to time the securities markets by jumping in and out of different asset classes based on forecasts of future returns does not enhance long-term investment results.
We never apply a one-size-fits-all solution in your financial and investment planning.
The fact is, even when different clients’ long-term objectives seem quite similar, the paths to get there are very unique. How we guide you and the approaches we ultimately recommend, is entirely personalized based upon your specific situation.
Early in our work together, we meet with you several times to learn about your current situation and understand your vision for what your life will look like in 10, 20 or more years from now.
We then develop various strategies to achieve your financial goals. Once you’re comfortable we have identified the right path, we define an asset allocation plan that’s most appropriate for you.
We begin with your present holdings and move into the asset classes and allocations. Our preferred investment vehicles include institutional no-load mutual funds, exchange traded funds, structured notes and separately managed accounts.
You’ll receive monthly, independently-produced account statements directly from the selected independent custodian that you can also access online.
We’ll regularly consult with you to review the progress toward your long-term objectives. It is normal that new considerations arise, and that your financial situation will change over time.
We are here to help you through what can sometimes be tough financial decisions.
Beyond your investments, you may want help evaluating insurance options, updating your estate plan, or considering something as routine as whether to lease or buy a new vehicle.
With nearly a century of combined experience, we have the expertise to help with cash flow, financial transaction analysis, income tax planning, estate planning, education planning and retirement planning.
We strive to meet all of your financial needs, and we are always just a phone call or email away.