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There are six areas that serve as the foundation of our investment and wealth management strategy. They are comprehensive and require patience, discipline, and a long-term time frame. Our team members follow these personally and professionally, and we encourage you, our clients, to do the same.

The 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 could be financially disruptive over your lifetime.

You get what you pay for

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

Don’t keep all your eggs in 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 striving to reduce risk.

Asset allocation and diversification are investment methods used to help manage risk. They do not guarantee investment returns or eliminate risk of loss including in a declining market.

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’s unlikely that any single investor can routinely profit at the expense of all other investors.

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. 

Investing will involve some level of risk, including the possible loss of principal. Investing in fixed income securities could involve 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 the original cost upon redemption or maturity.

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

Environmental, Social, and Governance (ESG) Analysis

Based on your beliefs, we can analyze the risk associated with your views on environmental, social, or governance issues. If it’s important to you to invest in companies that are spearheading sustainable climate solutions, or if you’re attuned to how certain companies run their business and treat the communities they serve, we have portfolios in place to address those items.