Our Philosophy
We work for you
As independent wealth advisors, we have access to a variety of investment and insurance products. We conduct thorough research and recommend appropriate, objective, solutions. Our only agenda is to make you happy.
We strive to be accessible and responsive to your needs. We are available when you need us by phone, email, or in person.
We believe in the process
Our process begins by developing a personalized financial plan, what we call our "financial road map."
Then, we suggest an allocation strategy consistent with your goals and risk tolerance. Our experience has shown that the majority of long-term performance is attributed to this asset allocation.
Next, we hand-select investments to represent each asset class within your allocation.
We continually monitor your financial plan and your portfolio: updating, rebalancing, and adjusting when necessary.
Investors should note that asset allocation and diversification do not assure a profit or protect against loss in declining markets and neither can guarantee that any objective or goal will be achieved.
We invest for the long term
Short-term volatility, coupled with constant media noise, causes the average investor to make emotional decisions that may be detrimental to their long-term performance. We will guide you through periods of uncertainty, helping you keep current events in their proper perspective.
We think outside the box
Comprehensive diversification includes investments that compliment a traditional stock and bond portfolio. These "alternative" investments may include REITs, managed futures, long/short portfolios, commodities, and MLPs.
Alternative investments may be illiquid in nature, redeemed at more or less than the original amount invested, are subject to special risks, and are not suitable for all investors. There is no assurance that the investment objective will be attained.
We care about expenses and taxes
By reducing your expenses and taxes, we have a greater chance of improving your performance. Our investment screening process takes into account expense ratios and tax efficiency.
We have use active management or indexing, and we will use each strategy when appropriate.
We seek lifelong relationships
We want to be helpful to you through all the stages and events in your life. We seek to build long-lasting personal relationships founded on trust and transparency.
We believe in giving back. We donate a portion of our profits to organizations that are near and dear to our clients, and we are active in local charitable initiatives.