In today’s complex and ever-changing world, choosing the right financial adviser to assist you with your unique financial needs and goals can be overwhelming. With seemingly unlimited options for getting investment advice, determining who will help you manage your investments and retirement savings is vitally important to your financial well-being, and requires careful consideration.
As fiduciary advisers, we help provide financial security and peace of mind by helping you navigate through both challenging and prosperous markets. We take an active approach to asset management that is based on discipline and diversification. What’s more, we are owned entirely by our principals. This independence helps ensure that we answer to only you, our client.
Achieving your financial goals involves more than simply picking the right investments: We take the time to thoroughly understand your financial situation and work with you to develop and execute a sound investment strategy that encompasses every aspect of your financial life and your long-term goals.
During this step, we are getting to know you, ask questions and focus on your concerns and objectives. We gather your current financial information, mutually define your personal and financial goals and discuss the steps needed to achieve them.
At this stage, we go into more depth. We analyze your financial situation, define your risk profile and offer potential solutions. This data gathered serves to develop your investment policy statement.
The primary objective of this step is to successfully implement your personalized investment strategy. We identify the specific investments that best align with the strategy you have chosen, and help you achieve your investment goals.
We monitor your accounts on an ongoing basis to ensure that your investment objectives are being met, and make necessary changes and refinements as changing economic and market conditions dictate. Regular review meetings with you will help ensure that changes in personal circumstances and financial markets will not impact your ability to reach your financial goals.
As our process is ongoing, it does not end with Step 4. Rather, we will continue to explore the changes in your life and goals, adjusting our recommendations as necessary, implementing any new strategies, and monitoring the results throughout our relationship together.
We adhere to a guiding set of principles in providing investment advice. Our objective is to help you achieve your long-term financial goals through a disciplined, well-defined investment approach that is guided by the following time-tested principles:
Your asset allocation should be designed to meet your specific investment objectives, such as income maximization, tax-advantaged investing, wealth preservation, and growth of capital. We utilize a multi-asset-class approach to create a diversified portfolio that seeks to maximize expected return for the level of risk.
Diversification is one of the most effective ways to help manage investment risk. Effective global diversification has historically reduced portfolio volatility to provide risk-adjusted returns. Of course, diversification does not guarantee a profit or protect against losses.
We apply a disciplined fundamental research process to identify investment opportunities and drive buy and sell decisions. All investment holdings are continuously monitored to help ensure they remain suitable for your portfolio. We don’t take unnecessary risks with your money, and never blindly follow the crowd.
The primary focus of our investment strategies is to keep you on the path to achieving your long-term financial goals. We believe that patience, discipline, and a willingness to ignore the market’s day-to-day fluctuations are the time-honored elements to build, enhance, and preserve wealth.
Your investments will be monitored using active and ongoing portfolio management. Rather than pursuing a buy-and-hold strategy, we seek to proactively adjust investment exposure to the prevailing market environment with disciplined attention to downside risk.
Limiting losses in volatile markets is as important as realizing upside potential. We employ a rigorous risk process in selecting securities and managing portfolios to tactically adjust long-term strategies as the markets shift.
We seek to achieve attractive after-tax total returns for you through strategies such as tax-loss harvesting and the proper placement of investments within taxable and tax-deferred accounts. Our asset-based fee structure ensures that our interests are fully aligned with yours.
We have found that our core values are one of the most important considerations for clients in deciding to work with us. These core values govern how we conduct our business and build enduring relationships.