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Investment Philosophy

Investing Based on a Financial Plan 

Age, investment horizon, risk tolerance, etc. are all important factors in selecting appropriate investment vehicles. It is not only unethical, but also against the rules of the SEC and FINRA to recommend an investment without first obtaining pertinent investor information and eliminating conflicts of interest.


Although diversification will not guarantee protection against losses, it can help to dampen the effects of volatility on a portfolio. It also makes good sense.

Asset Allocation

The science of diversification is called Asset Allocation. Based on Nobel Prize winning research it has proven over time to help find the proper balance between risk and return.

Use of Specialist Third Party Money Managers

No one person or group can specialize in every area of investing therefore we employ multiple money managers to help in managing our client’s money. We also employ a "Manager of Managers" approach for optimum oversight and monitoring of a client’s Investment Portfolio.

NO Market Timing 

We believe that success is determined more by time IN the market and the existence of an Asset Allocation Policy. NOBODY knows on any consistent basis when is the best time to get in or out of the stock or bond markets.

NO Individual Stock Selection

Our clients look to us for management of their "Serious Money", therefore we do not try to pick individual stocks that may, or may not, outperform the general market. Diversification provides protection from volatility. Limiting a portfolio to a few companies may increase volatility without necessarily providing higher returns.

Our philosophies can be implemented through a variety of investment vehicles including Exchange Traded Funds (ETFs), Unit Investment Trusts (UITs), Institutional Class Mutual Funds and Separately Managed Accounts (SMAs) of individual stocks and bonds and Variable Annuities (VAs). All the investment plans we use incorporate these philosophies although the individual products listed may not be appropriate for all investors. The investment vehicles that may be right for you can be determined through the financial planning process. We work to find the lowest cost investment vehicles possible, but cost is not our only consideration. Consistent performance and a repeatable investment methodology is as important in our consideration of investment vehicles.

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