Our discretionary investment management service is designed to meet the investment needs of individuals.  We take a long-term strategic asset allocation approach, in which we use long-term average asset class return assumptions and long term risk assumptions to estimate future capital market results.  With this information efficient frontiers are generated using the historical risk and return information in order to design dynamic portfolios that maximize your return potential for the desired level of risk in your portfolio.

How We Design Your Portfolio
Before we can successfully manage your investments, we must first determine your needs. After a preliminary analysis of your situation, we sit down with you to have an in-depth conversation about your lifestyle and your financial goals. Then, based on your input, we finalize a customized investment strategy.  This investment strategy is not only important for us to fully understand how to work together, but it is also beneficial for you. It’s imperative that you understand where you are in life and where you need to be when you want to generate an income from your investments.

Diversifying on Different Levels
Our investment strategy has been formed and refined over decades of experience.  The most dependable and prudent way to manage serious capital, the money you depend on for the future, is in a diversified portfolio.  Various asset classes typically perform differently under varying market conditions. We take advantage of those differences by spreading your investments across various asset classes to cushion the market volatility. This makes the possibility of consistent returns more probable. In addition it’s almost impossible to effectively time investing styles so you always come out ahead.  In light of this we also diversify styles as well. Having a diversified style means your portfolio may include a mix of value stocks and growth stocks, large cap stocks and small cap stocks, long-term bonds and short-term bonds, as well as the potential for including numerous other styles.  A variety of investment styles will make your portfolio more resistant to risk. Regardless of what the markets may be responding to at any point in time, being allocated over a number of styles will enhance the performance of your portfolio beyond the risk of having made the wrong narrow choice. Additionally you benefit from using our independent wealth management firm because our portfolio management approach is not limited to using in-house mutual fund managers who use narrowly defined strategies. Our flexibility for diversifying among the most talented managers within the investment community specializing in each aspect of your portfolio allows for above average expected returns over the long term.

Hedging Strategies
From time to time significant economic challenges may pose large systemic risks to financial markets and affect the rate of return investors may achieve in long-term strategies. Although rare, these times of significant market risk may cause us to employ hedging strategies that would allow us to continue to meet investment objectives even when financial markets may be under duress. We do not limit hedging strategies exclusively to economically challenging times. There are some situations under normal market conditions when we may utilize conservative hedging strategies to further manage portfolio risk and maximize returns. In general, any hedging strategy we use is primarily aimed at managing portfolio risk.