Our Investment Process

There are five areas that serve as the foundation of our investment and wealth management philosophy. They are time-tested principles that require patience, discipline, and a longer term time frame. We believe deeply in all of them, follow them personally and professionally, and encourage you to do the same.
Asset Allocation - The ongoing process of rebalancing portfolio risk

We believe proper asset allocation is an important determinant of return potential in a broadly diversified portfolio. It is important to align your investment risk tolerance to your long term goals as any misalignment of the two can prove to be financially disruptive over your lifetime.

Costs Matter - You get what you pay for

Ensuring you are receiving a good value, we pay attention to fees and expenses as unnecessary costs erode returns.

Diversification - Don't keep all your eggs within one basket

Concentrated investments tend to add risk to a portfolio with no additional expected return potential. Diversification helps with uncertainty and is an important component required to work toward long-range financial goals while reducing risk.

Efficient Markets - Time in the market, not timing the market

We believe that markets are efficient, meaning prices reflect the knowledge and expectations of all investors. Though prices are not always correct, markets are competitive and it is unlikely that any single investor can routinely profit at the expense of all other investors.

Risk - Losing principal or running out of money

Risk and return potential are related. For instance, bonds historically tend to have a lower level of risk than stocks, and as such, have a lower level of return potential. Stocks demand a higher level of return potential based on their higher risk levels.

Asset allocation and diversification does not eliminate the risk of fluctuating prices and uncertain returns.

Investing involves risk including the possible loss of principal.

Investing in fixed income securities involves certain risks such as market risk if sold prior to maturity and credit risk especially if investing in high-yield bonds, which have lower ratings and are subject to greater volatility. All fixed income investments may be worth less than original cost upon redemption or maturity.

Stocks offer long-term growth potential, but may fluctuate more and provide less current income than other investments. An investment in the stock market should be made with an understanding of the risks associated with common stocks, including market fluctuations.